Pengaruh camels dan digital banking terhadap kinerja perbankan di indonesia dengan menggunakan bank size sebagai variabel moderasi
Subyek : Banks and banking, Mobile
Penerbit : FEB - Usakti
Kota Terbit : Jakarta
Tahun Terbit : 2025
Pembimbing 1 : Bahtiar Usman
Pembimbing 2 : Hartini
Kata Kunci : Bank Performance, CAMELS, Digital Banking, Bank Size
Status Posting : Published
Status : Lengkap
No. | Nama File | Hal. | Link |
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1. | 2025_TS_MMJ_122012211102_Halaman-Judul.pdf | 13 | |
2. | _TS_MMJ_122012211102_Surat-Pernyataan-Revisi-Terakhir.pdf | 1 | |
3. | _TS_MMJ_122012211102_Surat-Hasil-Similaritas.pdf | 1 | |
4. | _TS_MMJ_122012211102_Halaman-Pernyataan-Persetujuan-Publikasi-Tugas-Akhir-untuk-Kepentingan-Akademis.pdf | 1 | |
5. | 2025_TS_MMJ_122012211102_Lembar-Pengesahan.pdf | ||
6. | 2025_TS_MMJ_122012211102_Pernyataan-Orisinalitas.pdf | 1 | |
7. | 2025_TS_MMJ_122012211102_Formulir-Persetujuan-Publikasi-Karya-Ilmiah.pdf | 1 | |
8. | 2025_TS_MMJ_122012211102_Bab-1.pdf | 12 | |
9. | 2025_TS_MMJ_122012211102_Bab-2.pdf | 10 |
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10. | 2025_TS_MMJ_122012211102_Bab-3.pdf | 16 |
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11. | 2025_TS_MMJ_122012211102_Bab-4.pdf | 61 |
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12. | 2025_TS_MMJ_122012211102_Bab-5.pdf | 6 | |
13. | 2025_TS_MMJ_122012211102_Daftar-Pustaka.pdf | 6 | |
14. | 2025_TS_MMJ_122012211102_Lampiran.pdf | 18 |
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P Penelitian ini bertujuan untuk menganalisis pengaruh CAMELS dan digital banking terhadap kinerja perbankan di Indonesia dengan ukuran bank sebagai variabel moderasi. Variabel CAMELS meliputi Capital Adequacy (CA), Asset Quality (AQ), Management Efficiency (MQ1 dan MQ2), Earning Quality (EQ), dan Liquidity (LIQ). Kinerja perbankan diukur menggunakan Return on Assets (ROA) dan Return on Equity (ROE). Digital banking dijadikan variabel independen tambahan, dengan ukuran bank sebagai variabel moderasi untuk melihat perannya dalam memperkuat atau memperlemah hubungan antara variabel independen dan kinerja perbankan. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder dari laporan keuangan 43 bank yang terdaftar di Bursa Efek Indonesia selama periode 2019–2023. Teknik analisis data yang digunakan adalah regresi moderasi dengan pendekatan Partial Least Squares (PLS). Hasil penelitian menunjukkan bahwa variabel CAMELS dan digital banking secara signifikan memengaruhi kinerja perbankan. Ukuran bank sebagai variabel moderasi memiliki pengaruh signifikan dalam memperkuat hubungan antara digital banking dan kinerja perbankan. Selain itu, manajemen efisiensi (MQ2) dan earning quality (EQ) ditemukan sebagai faktor yang paling dominan dalam menentukan kinerja bank. Penelitian ini memberikan kontribusi teoritis dalam literatur terkait CAMELS dan digital banking serta memberikan implikasi praktis bagi bank dalam meningkatkan kinerjanya melalui optimalisasi digital banking dan pengelolaan faktor keuangan lainnya
T This study aims to analyze the impact of CAMELS and digital banking on bank performance in Indonesia, with bank size as a moderating variable. The CAMELS variables include Capital Adequacy (CA), Asset Quality (AQ), Management Efficiency (MQ1 and MQ2), Earning Quality (EQ), and Liquidity (LIQ). Bank performance is measured using Return on Assets (ROA) and Return on Equity (ROE). Digital banking serves as an additional independent variable, while bank size acts as a moderating variable to examine its role in strengthening or weakening the relationship between the independent variables and bank performance. This research employs a quantitative approach using secondary data from the financial reports of 43 banks listed on the Indonesia Stock Exchange during the 2019–2023 period. The data analysis technique used is moderation regression with a Partial Least Squares (PLS) approach. The findings reveal that CAMELS variables and digital banking significantly influence bank performance. Bank size, as a moderating variable, has a significant effect in strengthening the relationship between digital banking and bank performance. Additionally, management efficiency (MQ2) and earning quality (EQ) are identified as the most dominant factors in determining bank performance. This study contributes theoretically to the literature on CAMELS and digital banking and provides practical implications for banks to enhance their performance through the optimization of digital banking and the management of other financial factors.