Analisis Pengaruh Layanan Digital Perbankan terhadap Profitabilitas Bank Umum di Indonesia Tahun 2022-2024

Emila Agustina; Purboyo Purboyo; Zakky Zamrudi

doi:10.31004/riggs.v5i2.10465

Authors

Emila Agustina Universitas Islam Kalimantan Muhammad Arsyad Al Banjari
Purboyo Purboyo Universitas Islam Kalimantan Muhammad Arsyad Al Banjari
Zakky Zamrudi Universitas Islam Kalimantan Muhammad Arsyad Al Banjari

DOI:

https://doi.org/10.31004/riggs.v5i2.10465

Keywords:

Layanan Digital Perbankan, Intensitas Transaksi Digital, Nilai Transaksi Digital, Non-Performing Loan, Diversifikasi, Return on Assets, Profitabilitas Bank Umum

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh layanan digital perbankan terhadap profitabilitas bank umum di Indonesia pada periode 2022–2024. Variabel independen yang digunakan meliputi Intensitas Transaksi Digital Perbankan (X1), Nilai Transaksi Digital Perbankan (X2), Non-Performing Loan (X3), dan Diversifikasi Produk dan Layanan (X4), sedangkan variabel dependen adalah Return on Assets (ROA) sebagai proksi profitabilitas. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif kausal. Data yang digunakan adalah data sekunder berupa data agregat time series bulanan yang bersumber dari publikasi resmi Otoritas Jasa Keuangan (OJK) dan Bank Indonesia (BI) selama 36 bulan (Januari 2022 – Desember 2024). Teknik analisis data yang digunakan adalah regresi linier berganda yang dilengkapi dengan uji asumsi klasik meliputi uji normalitas, multikolinearitas, heteroskedastisitas, dan autokorelasi, serta uji hipotesis menggunakan uji t, uji F, dan koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa Intensitas Transaksi Digital Perbankan berpengaruh positif dan signifikan terhadap ROA bank umum. Nilai Transaksi Digital Perbankan tidak berpengaruh signifikan terhadap ROA bank umum. Non-Performing Loan tidak berpengaruh signifikan terhadap ROA bank umum meskipun arah koefisiennya negatif dan mendekati batas signifikansi. Diversifikasi Produk dan Layanan berpengaruh negatif dan signifikan terhadap ROA bank umum. Secara simultan, seluruh variabel independen berpengaruh signifikan terhadap ROA dengan nilai F sebesar 15,412 dan nilai Adjusted R² sebesar 0,622, yang berarti model mampu menjelaskan 62,2% variasi profitabilitas bank umum

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