THE EFFECT OF USE OF MOBILE BANKING, INTERNET BANKING AND CREDIT RATIO ON THE VALUE OF BANKING COMPANIES

Sarah Yuliarini; Monica Safira Sugiharto

doi:10.61796/jaide.v1i4.507

Authors

Sarah Yuliarini
sarahyuliarini@uwks.ac.id
Wijaya Kusuma Surabaya University
Monica Safira Sugiharto Wijaya Kusuma Surabaya University

Vol. 1 No. 4 (2024): European Journal of Artificial Intelligence and Digital Economy

Articles

April 17, 2024

Downloads

View article

Abstract
How to Cite
Metrics
References
License

This research aims to determine the influence of the use of mobile banking and internet banking as well as the credit ratio on the value of banking companies listed on the Indonesia Stock Exchange (BEI) in 2019-2022. This research uses the dependent variable company value proxied by price to book value (PBV) and the independent variables mobile banking and internet banking as well as the credit ratio proxied by non-performing loans (NPL). The design of this research is quantitative research with a descriptive approach. Based on sampling using purposive sampling, the number of banks in Indonesia is 40 banks and a sample of seven banking sector companies listed on the Indonesia Stock Exchange (BEI) was obtained, where the data was processed using multiple linear regression analysis. The research results show that partially or simultaneously mobile banking and internet banking and non-performing loans (NPL). has a significant effect on the value of banking companies. This means that the value of mobile banking and internet banking transactions as well as the credit ratio proxied by non-performing loans (NPL) can influence the increase in the value of banking companies listed on the Indonesia Stock Exchange (BEI) in 2019-2022

Yuliarini, S., & Sugiharto, M. S. (2024). THE EFFECT OF USE OF MOBILE BANKING, INTERNET BANKING AND CREDIT RATIO ON THE VALUE OF BANKING COMPANIES. Journal of Artificial Intelligence and Digital Economy, 1(4), 10–20. https://doi.org/10.61796/jaide.v1i4.507

Download Citation

Akhisar, I., Tunay, K. B., & Tunay, N. (2015). The effects of innovations on bank performance: The case of electronic banking services. Procedia-Social and Behavioral Sciences, 195, 369-375.

Alfatihah, Pradivta, & Sundari, B. (2021). Pengaruh Transaksi Perbankan Elektronik (Electronic Banking) terhadap Kinerja Keuangan Entitas Publik Perbankan. Jurnal Ilmiah Ekonomi Bisnis, 26(1), 30-40.

Alvianji, D. F., dan Soejono. (2014). Kinerja Bank Terhadap Harga Saham. Jurnal Keuangan dan Bisnis,12.

Barasa, C., Obura, W., & Anyira, F. A. (2017). Effect of Internet Banking on Financial Performance of Commercial Banks in Kisumu City- Kenya. Saudi Journal of Business and Management Studies, 2(10), 904–913.

Coryanata I, Ramli E H, Puspita LMN, Halimatusyadiah (2023). Digitalization of Banking and Financial Performance of Banking Companies. International Journal of Social Service and Research (IJSSR), 3(2), 366-371.

Demoulin, N. T., & Djelassi, S. (2013). Customer responses to waits for online banking service delivery. International Journal of Retail & Distribution Management, 41(6), 442-460.

Egan, R., & Prawoto, H. (2013). Pengaruh internet banking terhadap kinerja perbankan di Indonesia (Studi empiris pada bank yang listing di BEI). Jurnal Akuntansi Bisnis, 11(22), 138-153.

Ghozali, I. (2016). Aplikasi Analisis Multivariate Dengan Program IBM SPSS 23. Cetakan ke VIII. Semarang: Badan Penerbit Universitas Diponegoro.

Harmono. (2017). Manajemen Keuangan Berbasis Balanced Scorecard Pendekatan Teori, Kasus, dan Riset Bisnis. Jakarta: Bumi Aksara.

Husnan, S. (2014). Manajemen Keuangan Teori dan Penerapan (Keputusan Jangka Panjang) Edisi Keempat. Yogyakarta: BPFE.

Husnan, S., & Pudjiastuti, E. (2012). Dasar-dasar Manajemen Keuangan Edisi ke-6. Yogyakarta: UPP STIM YKPN.

Kasmir. (2012). Dasar-Dasar Perbankan. Jakarta: PT Raja Grafindo Persada.

Khitaka, E. (2014). The Effect of Mobile Banking on Financial Performance of Commercial Banks in Kenya. Department of Finance and Accounting, School of Business. Universityof Nairobi.

Kisaka, E. S., Ndii, G. M., Muriki, M., & Muio, A. K. (2015). The relationship between mobile banking deepening and financial performance of commercial banks in Kenya. Research Journal of Finance and Accounting. Research Journal of Finance and Accounting, 6(10), 156-172.

Kombe, S. K. (2015). Effects of Internet Banking on the Financial Performance of Commercial Banks in Kenya a Case of Kenya Commercial Bank. Research Journal of Finance and Accounting, 5(5). 1-10.

Kombe S.K and Wafula M.K. (2015). Effects of Internet Banking on the Financial Performance of Commercial Banks in Kenya a Case of Kenya. Commercial Bank International Journal of Scientific and Research Publications, 5(5).

Luo, X., Lie H., Zhang, J., & Shim, J. (2010). Examining multi-dimensional trust and multifaceted risk in initial acceptance of emerging technologies: An empirical study of mobile banking services. Decision Support Systems, 49(2), 222–234.

POJK.03/2018, P. O. (2018). Penyelenggaraan Pelayanan Perbankan Digital oleh Bank Umum. 2008, U.-U. N. (n.d.). Perbankan Syariah , Pasal 1 butir 23.

Pooja, M., & Balwinder, S. (2009). The impact of internet banking on bank performance and risk: The Indian experience. Eurasian Journal of Business and Economics, 2(4), 43-62.

Raharjo, B. (2010). Akuntansi Manajemen Informasi untuk Pengambilan Keputusan Strategis. Yogyakarta: UGM Press.

Ramli, R. R., & Jatmiko, B. P. (2021, Oktober 13). money.kompas.com. Retrieved from Transaksi Digital Bank Mandiri Lewat Livin' Tembus Rp 1.043 Trliliun: https://money.kompas.com/read/2021/10/13/162000326/transaksi-digital-bankmandiri-lewat-livin-tembus-rp-1.043-trliliun.

Ratten, V. (2011). Social Cognitive theory in mobile banking innovations. International Journal of E-Businness Research, 7(1), 39-51.

Riquelme, H. E., & Rios, E. R. (2010). The moderating effect of gender in the adoption of mobile banking. International Journal of Bank Marketing, 28(5), 328-341.

Rose, P. S., & Hudgins, S. C. (2010). Bank Management and Financial Services. New York: Mc Grow Hill.

Sumra, S. H., Manzoor, M. K., Sumra, H. H., & Abbas, M. (2011). The impact of e-banking on the profitability of banks: A study of Pakistani banks. Journal of Public Administiration & Governance, 1(1), 31-38.

Supriyono, M. (2011). Buku Pintar Perbankan. Yogyakarta: Andi Offset. Taswan. (2010). Manajemen Perbankan, Konsep, Teori dan Aplikasi, Edisi 2. UPP AMP YKPN.

Tunaya K.B, Tunayb N, Akhisar I. (2015) Interaction Between Internet Banking and Bank Performance:The Case of Europe. Procedia-Social and Behavioral Sciences,195(1), 363 – 368.

Vyctoria. (2013). Bongkar Rahasia E-Banking Security dengan Teknik Hacking dan Carding. Yogyakarta: Andi.

Wiagustini, N. L. (2014). Manajemen Keuangan. Cetakan Pertama. Denpasar: Udayana University Press.

Yasin, M. A. (2018). Impact of internet banking on financial performance: Empirical evidence from Ethiopia banks. Journal of Information Engineering and Applications, 9(11), 1-10.