PENGARUH MOBILE BANKING, INTERNET BANKING, DAN NON PERFORMING LOAN TERHADAP KINERJA KEUANGAN PERBANKAN KONVENSIONAL

Yufita Velika, Liliek Nur Sulistiyowati

Abstract


This study aims to analyze the effect of mobile banking, internet banking, and non-performing loans (NPL) on the financial performance of conventional banks listed on the Indonesia Stock Exchange (IDX) during the period 2020-2023. This study uses a quantitative approach with data analysis conducted using SPSS 25.0 software. The research sample consisted of 188 banks listed on the IDX in 2020-2023, selected through purposive sampling techniques. The data used came from secondary sources. The results of the study indicate that mobile banking, internet banking, and NPL together have a significant effect on the financial performance of conventional banks during the period. The researcher recommends that banks pay more attention to NPL factors that can hinder profit achievement by improving the quality of credit distribution and operational cost efficiency.

Keywords: Mobile Banking, Internet Banking, Non-Performing Loan, Financial Performance


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References


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