PENGARUH MOBILE BANKING, BOPO, DPK, DAN TRANSAKSI VALAS, TERHADAP FEE BASED INCOME

Jurnal Riset Akuntansi dan Keuangan Pub Date : 2023-01-31 DOI:10.21460/jrak.2022.182.424

Sherlita Ribkha Rahayu, Murti Lestari

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引用次数: 3

Abstract

ABSTRACT Banking services are activities carried out by banks to support their main activities. Banking services generate income in the form of fees or known as fee base income. The rapid development of technology encourages the banking industry to innovate, especially in service products. This study aims to analyze how the influence of Operating Income Operating Expenses (BOPO), Third Party Funds (DPK), foreign exchange transactions, and mobile banking (M-banking) on fee based income. The sampling technique used is purposive sampling technique. The sample used is the National Private Bank with the largest asset value in Indonesia for the period 2006-2020. The data analysis used in this study is panel data regression (pooled). This study uses the Fixed effect Regression Model. The results of the study show that foreign exchange transactions have a significant positive effect on fee-based income. Meanwhile, BOPO, DPK, and M-banking have no significant effect on fee-based income. Keywords : BOPO, DPK, foreign exchange transaction, fee based income ABSTRAK Layanan jasa perbankan merupakan kegiatan yang dilakukan bank untuk menunjang kegiatan utamanya. Layanan jasa perbankan menghasilkan pendapatan berupa fee atau dikenal dengan fee base income. Pesatnya perkembangan teknologi mendorong industri perbankan untuk berinovasi, terutama pada produk layanan jasa. Penelitian ini bertujuan untuk menganalisis bagaimana pengaruh Beban Operasional Pendapatan Operasional (BOPO), Dana Pihak Ketiga (DPK), transaksi valas, dan Mobile banking (M-banking) terhadap fee based income. Teknik pengambilan sampel yang digunakan adalah teknik purposive sampling. Sampel yang digunakan adalah Bank Swasta Nasional dengan nilai asset terbesar di Indonesia periode 2006-2020. Analisis data yang digunakan dalam penelitian ini adalah regresi data panel (pooled). Penelitian ini menggunakan Model Regresi Fixed effect. Hasil Penelitian menunjukan bahwa transaksi valas berpengaruh positif signifikan terhadap fee based income. Sedangkan BOPO, DPK, dan M-banking tidak berpengaruh signifikan terhadap fee based income. Kata Kunci : BOPO, DPK, transaksi valas, fee based income

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手机银行、BOPO、DPK和VALAS交易发生了基于费用的收入

摘要——银行服务是银行为支持其主要活动而开展的活动。银行服务以费用或所谓的费用基础收入的形式产生收入。技术的快速发展鼓励了银行业的创新，尤其是在服务产品方面。本研究旨在分析营业收入、营业费用、第三方基金、外汇交易和移动银行对收费收入的影响。所使用的采样技术是有目的的采样技术。所使用的样本是2006-2020年期间印度尼西亚资产价值最大的国家私人银行。本研究中使用的数据分析是面板数据回归（汇总）。本研究采用固定效应回归模型。研究结果表明，外汇交易对收费收入有显著的正向影响。同时，BOPO、DPK和移动银行对收费收入没有显著影响。关键词：BOPO，DPK，外汇交易，收费收入[UNK][UNK]ABSTRAK[UNK]银行服务是银行等待其主要活动。银行服务产生费用收入或被称为费用基础收入。他的信息是，技术发展鼓励银行业创新，尤其是在服务产品方面。本研究的目的是分析运营采购税（BOPO）、第三方基金（DPK）、Valas交易和移动银行（M-banking）对收费收入的影响。所使用的采样技术是有目的的采样技术。所使用的样本是2006-2020年期间印度尼西亚资产价值最大的国家私人银行。本研究中使用的数据分析是汇集数据回归。本研究采用固定效应回归模型。调查结果表明，掉期交易对收费收入有显著的正向影响。而BOPO、DPK和移动银行对基于费用的收入没有显著影响。关键词：BOPO，DPK，小时交易，收费收入

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Jurnal Riset Akuntansi dan Keuangan

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16 weeks