ANALISIS PENGARUH MOBILE BANKING DAN KEUANGAN INKLUSIF TERHADAP KINERJA KEUANGAN BANK SYARIAH DI INDONESIA PERIODE 2014-2019
Authors: Widyandri Dahayu Bethari , Laila Nisful 
Published: January 2022

ABSTRAKDigitalisasi perbankan dilakukan demi pemanfaatan teknologi sehingga melahirkan mobile banking yang dapat memperluas jangkauan layanan keuangan dan Inklusi keuangan menjadi penting untuk menunjukan seberapa besar jasa layanan keuangan yang telah dipakai dan digunakan oleh masyarakat. Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh mobile banking dan keuangan inklusif terhadap kinerja keuangan bank Syariah di Indonesia. Penelitian ini memakai 11 sampel Bank Umum Syariah dan diuji menggunakan Regresi Data Panel dengan variable independent keuangan inklusi yang diukur dengan ROA, ROE, dan BOPO. Hasilnya didapatkan bahwa mobile banking berpengaruh terhadap kinerja keuangan bank Syariah dan keuangan inklusi berpengaruh terhadap kinerja keuangan yang di proksikan dengan Dana Pihak ketiga dan Jaringan kantor namun Pembiayaan tidak berpengaruh terhadap kinerja keuangan. Bagi Regulator, agar menedukasi atau memberikan penyuluhan tentang literasi dan inklusi keuangan untuk masyarakat Indonesia agar masyarakat merasakan manfaat dari layanan keuangan perbankan. Bagi bank umum Syariah, agar memperluas jaringan mobile banking secara maksimal sehingga dapat meningkatkan kinerja keuangan bank Syariah di Indonesia dan menjadi pertimbangan bagi para manajemen untuk melakukan investasi di mobile banking untuk meningkatkan profitabilitas bank Syariah secara jangka Panjang. Kata Kunci: Mobile Banking, Keuangan Inklusi, Kinerja Keuangan. ABSTRACTDigitalization of banking is done for the use of technology so as to give birth to mobile banking that can expand the reach of financial services and financial inclusion becomes important to show how much financial services have been used and used by the public. This study aims to test and analyze the influence of mobile banking and inclusive finance on the financial performance of Sharia banks in Indonesia. This study used 11 samples of Sharia Commercial Banks and tested using Regression Data Panel with independent financial inclusion variables as measured by ROA, ROE, and BOPO. The result was obtained that mobile banking affects the financial performance of Sharia banks and financial inclusion affects the financial performance proxies with third party funds and office networks but financing has no effect on financial performance. For regulators, in order to educate or provide counseling on financial literacy and inclusion for the people of Indonesia so that the public can feel the benefits of banking financial services. For Sharia commercial banks, in order to expand the mobile banking network to the maximum so as to improve the financial performance of Sharia banks in Indonesia and be a consideration for management to invest in mobile banking to improve the profitability of Sharia banks in the long term. Keywords: Mobile Banking, Financial Inclusion, Bank Performance. 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