eprintid: 22473 rev_number: 7 eprint_status: archive userid: 3857 dir: disk0/00/02/24/73 datestamp: 2023-03-17 02:15:25 lastmod: 2023-03-17 02:15:25 status_changed: 2023-03-17 02:15:25 type: thesis metadata_visibility: show creators_name: Eko Prasetio, Angga title: Pengaruh Total Assets Turnover, Current Ratio dan Financial Technology terhadap Profitabilitas Perusahaan Perbankan di Indonesia ispublished: pub subjects: HG divisions: Manajemen abstract: Penelitian ini menjelaskan pengaruh dari Total Assets Turnover, Current Ratio dan Financial Technology terhadap Profitabilitas bank umum konvensional di Indonesia periode triwulan satu sampai empat di 2017-2019 dan triwulan satu sampai tiga di 2020. Variabel bebas menggunakan variabel Total Assets Turnover, Current Ratio dan Financial Technology. Variabel terikat menggunakan Profitabilitas bank dengan pengukuran Return On Assets (ROA). Populasi yang digunakan sejumlah 44 bank konvensional dan sample berjumlah 4 bank yang terdaftar di Bursa Efek Indonesia (BEI). Teknik analisis linear berganda dengan menggunakan eviews 11 untuk mengelola dan menganalisis yang berkaitan dengan analisis kuantitatif guna mengetahui hubungan antar variabel. Hasil uji parsial (Uji T) menunjukan bahwa variabel Total Assets Turnover tidak berpengaruh dan tidak signifikan positif terhadap Profitabilitas, untuk variabel Current Ratio berpengaruh positif dan signifikan terhadap Profitabilitas dan variabel Financial Technology berpengaruh negative dan signifikan terhadap Profitabilitas perbankan. Hasil uji simultan (Uji F) menghasilkan bahwa variabel Total Assets Turnover, Current Ratio dan Financial Technology berpengaruh terhadap Profitabilitas perbankan. date: 2021 date_type: completed full_text_status: public pages: 34 institution: Universitas Muhammadiyah Prof. DR. HAMKA department: FEB thesis_type: bachelor thesis_name: bphil referencetext: Agustina, R. (2017). ANALISIS PENGARUH LEVERAGE ( Debt to Equity Ratio ) DAN LIKUIDITAS ( Current Ratio ) TERHADAP PROFITABILITAS ( Return On Assets ) PADA PT . BANK BNI SYARIAH. Akanfe, O., Valecha, R., & Rao, H. R. (2020). Assessing country-level privacy risk for digital payment systems. Computers and Security, 99, 102065. https://doi.org/10.1016/j.cose.2020.102065 Alarussi, A. S., & Alhaderi, S. M. (2018). Factors affecting profitability in Malaysia. Journal of Economic Studies, 45(3), 442–458. https://doi.org/10.1108/JES-05-2017-0124 Ali, M., & Y, R. R. L. T. (2017). Pengaruh Net Interest Margin (Nim), Biaya Operasional Terhadap Pendapatan Operasional (Bopo), Loan To Deposit Ratio (Ldr) Dan Non Performing Loan (Npl) Terhadap Return on Assets (Roa). Jurnal Riset Akuntansi Dan Keuangan, 5(2), 1377–1392. https://doi.org/10.17509/jrak.v5i2.7853 Alifiah, M. N. (2014). Prediction of Financial Distress Companies in the Trading and Services Sector in Malaysia Using Macroeconomic Variables. Procedia - Social and Behavioral Sciences, 129, 90–98. https://doi.org/10.1016/j.sbspro.2014.03.652 Alkhowaiter, W. A. (2020). Digital payment and banking adoption research in Gulf countries: A systematic literature review. International Journal of Information Management, 53(February), 102102. https://doi.org/10.1016/j.ijinfomgt.2020.102102 Angelina, C., Sharon, S., Lim, S., Lombogia, J. Y. R., & Aruan, D. A. (2020). Pengaruh Current Ratio, Debt to Equity, Perputaran Kas dan Total Asset TurnOver (TATO) Terhadap Profitabilitas pada Perusahaan Food & Beverages yang terdaftar di Bursa Efek Indonesia. Owner, 4(1), 16. https://doi.org/10.33395/owner.v4i1.178 Anshari, M., Almunawar, M. N., Masri, M., & Hamdan, M. (2019). ScienceDirect ScienceDirect ScienceDirect ScienceDirect Digital Marketplace and FinTech to Support Agriculture Digital Marketplace and FinTech to Support Agriculture Sustainability Sustainability Assessing the feasibility using the Masairol heat demand-ou. Energy Procedia, 156(2018), 234–238. https://doi.org/10.1016/j.egypro.2018.11.134 Berggrun, L., Cardona, E., & Lizarzaburu, E. (2020). Firm profitability and expected stock returns: Evidence from Latin America. In Research in International Business and Finance (Vol. 51). https://doi.org/10.1016/j.ribaf.2019.101119 Bibi, N., & Amjad, S. (2017). The Relationship between Liquidity and Firms’ Profitability: A Case Study of Karachi Stock Exchange. Asian Journal of Finance & Accounting, 9(1), 54. https://doi.org/10.5296/ajfa.v9i1.10600 Cai, W., Polzin, F., & Stam, E. (2020). Crowdfunding and social capital: A systematic review using a dynamic perspective. Technological Forecasting and Social Change, (xxxx), 120412. https://doi.org/10.1016/j.techfore.2020.120412 Chen, S., Gu, Y., Liu, Q., & Tse, Y. (2020). How do lenders evaluate borrowers in peer-to-peer lending in China? International Review of Economics and Finance, 69, 651–662. https://doi.org/10.1016/j.iref.2020.06.038 Dai, M., Huang, S., & Keppo, J. (2019). Opaque bank assets and optimal equity capital. In Journal of Economic Dynamics and Control (Vol. 100). https://doi.org/10.1016/j.jedc.2019.01.005 Deli, L. (2017). Pengaruh Current Ratio, Debt to Total Asset Ratio dan Total Asset Turnover terhadap Kondisi Financial Distress. EJournal Administrasi Bisnis, 5(4), 855–866. Dewi, I. K., & Solihin, D. (2020). Pengaruh Current Ratio Dan Net Profit Margin Terhadap Harga Saham Pada Perusahaan Makanan Dan Minuman Yang Terdaftar Di Bursa Efek Indonesia ( Bei ) Periode 2015-2018. Jurnal Ilmiah Feasible Bisnis, Kewirausahaan Dan Koperasi, 2(2), 183–191. Retrieved from http://openjournal.unpam.ac.id/index.php/JFB/article/view/6231/4376 Duan, Y., & Niu, J. (2020). Liquidity creation and bank profitability. North American Journal of Economics and Finance, 54, 101250. https://doi.org/10.1016/j.najef.2020.101250 Fratianni, M., & Marchionne, F. (2017). Bank asset reallocation and sovereign debt. Journal of International Financial Markets, Institutions and Money, 47, 15–32. https://doi.org/10.1016/j.intfin.2016.11.011 Gong, Y., & Wei, X. (2019). Asset quality, debt maturity, and market liquidity. Finance Research Letters, 31, 285–293. https://doi.org/10.1016/j.frl.2018.11.015 Hadi Ryandono, M. N. (2019). Fintech Waqaf: Solusi Permodalan Perusahaan Startup Wirausaha Muda. Jurnal Studi Pemuda, 7(2), 111. https://doi.org/10.22146/studipemudaugm.39347 Hidayat, D., & Topowijono. (2018). Pengaruh Kinerja Keuangan Terhadap Harga Saham (Studi pada Perusahaan Pertambangan Subsektor Pertambangan Minyak dan Gas Bumi yang Terdaftar di Bursa Efek Indonesia Periode 2013-2016). Jurnal Administrasi Bisnis, 62(1), 36–44. Hörisch, J., Johnson, M. P., & Schaltegger, S. (2015). Implementation of Sustainability Management and Company Size: A Knowledge-Based View. Business Strategy and the Environment, 24(8), 765–779. https://doi.org/10.1002/bse.1844 Jagtiani, J., & John, K. (2018). Fintech: The Impact on Consumers and Regulatory Responses. Journal of Economics and Business, 100, 1–6. https://doi.org/10.1016/j.jeconbus.2018.11.002 Jebarajakirthy, C., & Shankar, A. (2021). Impact of online convenience on mobile banking adoption intention: A moderated mediation approach. Journal of Retailing and Consumer Services, 58(October 2020), 102323. https://doi.org/10.1016/j.jretconser.2020.102323 Khoiroh, S. M., Mundari, S., & Sofianto, R. (2019). Pengaruh Digital Marketing , Profitability , Literasi Keuangan , dan Pendapatan terhadap Keputusan Investasi LAT ( Lobster Air Tawar ). X, 60–66. Li, Y., Spigt, R., & Swinkels, L. (2017). The impact of FinTech start-ups on incumbent retail banks’ share prices. Financial Innovation, 3(1). https://doi.org/10.1186/s40854-017-0076-7 Liébana-Cabanillas, F., & Lara-Rubio, J. (2017). Predictive and explanatory modeling regarding adoption of mobile payment systems. Technological Forecasting and Social Change, 120(March), 32–40. https://doi.org/10.1016/j.techfore.2017.04.002 Lin, Q., & Lin, X. (2019). Expected profitability and the cross-section of stock returns. Economics Letters, 183, 108547. https://doi.org/10.1016/j.econlet.2019.108547 Lu, H., Wang, B., Wang, H., & Zhao, T. (2020). Does social capital matter for peer-to-peer-lending? Empirical evidence. Pacific Basin Finance Journal, 61(February), 101338. https://doi.org/10.1016/j.pacfin.2020.101338 Martins, A. M., Serra, A. P., & Stevenson, S. (2019). Determinants of real estate bank profitability. Research in International Business and Finance, 49(July 2018), 282–300. https://doi.org/10.1016/j.ribaf.2019.04.004 Milian, E. Z., Spinola, M. de M., & Carvalho, M. M. d. (2019). Fintechs: A literature review and research agenda. Electronic Commerce Research and Applications, 34(September 2018). https://doi.org/10.1016/j.elerap.2019.100833 Mohammadi, A. (2020). Too gloomy to invest: Weather-induced mood and crowdfunding. Journal of Corporate Finance, 101761. https://doi.org/10.1016/j.jcorpfin.2020.101761 Nishihara, M., & Shibata, T. (2020). The effects of asset liquidity on dynamic sell-out and bankruptcy decisions R. European Journal of Operational Research, 288(3), 1017–1035. https://doi.org/10.1016/j.ejor.2020.06.031 PA, M., & Marbun, D. (2016). Pengaruh Current Ratio Dan Debt To Equity Ratio Terhadap Return On Assets. Widyakala Journal, 3, 23. https://doi.org/10.36262/widyakala.v3i0.21 Pástor, Ľ., & Veronesi, P. (2012). Uncertainty about Government Policy and Stock Prices. Journal of Finance, 67(4), 1219–1264. https://doi.org/10.1111/j.1540-6261.2012.01746.x Pessarossi, P., Thevenon, J. L., & Weill, L. (2020). Does high profitability improve stability for European banks? Research in International Business and Finance, 53(July 2019), 101220. https://doi.org/10.1016/j.ribaf.2020.101220 Pham, L. T. M., Vo, L. Van, Le, H. T. T., & Le, D. V. (2018). Asset liquidity and firm innovation. International Review of Financial Analysis, 58, 225–234. https://doi.org/10.1016/j.irfa.2017.11.005 Phan, D. H. B., Narayan, P. K., Rahman, R. E., & Hutabarat, A. R. (2019). Do financial technology firms influence bank performance? Pacific Basin Finance Journal, 101210. https://doi.org/10.1016/j.pacfin.2019.101210 Pratama, C. A., Devi Farah Azizah, & Nurlaily, F. (2019). Effects of Return On Equity (ROE), Earning Per Share (EPS), Current Ratio (CR) and Debt to Equity Ratio (DER) on Stock Prices. Business Administration Journal, 66(1), 10–17. Retrieved from administrasibisnis.studentjournal.ub.ac.id Safdar, M. Z., Awan, M. Z., Ahmed, Z., Qureshi, M. I., & Hasnain, T. (2016). What does matter? Liquidity or profitability: A case of sugar industry in Pakistan. International Journal of Economics and Financial Issues, 6(3), 144–152. Sari, P. R. P., & Dwirandra, A. A. N. B. (2019). Pengaruh Current Ratio Dan Debt To Equity Ratio Terhadap Profitabilitas Dengan Intellectual Capital Sebagai Pemoderasi. E-Jurnal Akuntansi, 26, 851. https://doi.org/10.24843/eja.2019.v26.i02.p01 Scott, S. V., Van Reenen, J., & Zachariadis, M. (2017). The long-term effect of digital innovation on bank performance: An empirical study of SWIFT adoption in financial services. Research Policy, 46(5), 984–1004. https://doi.org/10.1016/j.respol.2017.03.010 Setiyawan, I., & Pardiman, P. (2014). Pengaruh Current Ratio, Inventory Turnover, Time Interest Earned Dan Return on Equity Terhadap Harga Saham Pada Perusahaan Manufaktur Sektor Barang Konsumsi Yang Terdaftar Di Bei Periode 2009-2012. Nominal, Barometer Riset Akuntansi Dan Manajemen, 3(1). https://doi.org/10.21831/nominal.v3i1.2152 Sheng, T. (2020). The effect of fintech on banks’ credit provision to SMEs: Evidence from China. Finance Research Letters, 101558. https://doi.org/10.1016/j.frl.2020.101558 Sinaga, M. S., Simanullang, A. E., Yanti, I., & S, J. B. L. A. (2019). Pengaruh Total Asset Turnover, Firm Size Dan Current Ratio Terhadap Pertumbuhan Laba Pada Pt.Sirma Pratama Nusa. Jurnal AKSARA PUBLIC, 3(3), 72–80. Smaoui, H., Mimouni, K., Miniaoui, H., & Temimi, A. (2020). Funding liquidity risk and banks’ risk-taking: Evidence from Islamic and conventional banks. Pacific Basin Finance Journal, 64(September), 101436. https://doi.org/10.1016/j.pacfin.2020.101436 Supardi, H., H. Suratno, H. S., & Suyanto, S. (2018). Pengaruh Current Ratio, Debt To Asset Ratio, Total Asset Turnover Dan Inflasi Terhadap Return on Asset. JIAFE (Jurnal Ilmiah Akuntansi Fakultas Ekonomi), 2(2), 16–27. https://doi.org/10.34204/jiafe.v2i2.541 Susilo, A. Z., Iksan Prabowo, M., Taman, A., Pustikaningsih, A., & Samlawi, A. (2019). A comparative study of factors affecting user acceptance of go-pay and OVo as a feature of Fintech application. Procedia Computer Science, 161, 876–884. https://doi.org/10.1016/j.procs.2019.11.195 Varga, D. (2017). FINTECH , THE NEW ERA. 22–32. Wirajaya, I. G. A., & Suryawan, I. D. G. (2017). Pengaruh Current Ratio, Debt To Equity Ratio dan Return On Assets pada Harga Saham. E-Jurnal Akuntansi, 21(2), 1317–1345. https://doi.org/10.24843/EJA.2017.v21.i02.p17 citation: Eko Prasetio, Angga (2021) Pengaruh Total Assets Turnover, Current Ratio dan Financial Technology terhadap Profitabilitas Perusahaan Perbankan di Indonesia. Bachelor thesis, Universitas Muhammadiyah Prof. DR. HAMKA. document_url: http://repository.uhamka.ac.id/id/eprint/22473/1/S02M-21010%20Angga%20Eko%20Prasetio.pdf