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All Journal Jurnal Kajian Manajemen Bisnis JBTI : Jurnal Bisnis : Teori dan Implementasi Jurnal Ilmiah Mahasiswa Ekonomi Manajemen Journal of Economic, Bussines and Accounting (COSTING) J-MAS (Jurnal Manajemen dan Sains) Owner : Riset dan Jurnal Akuntansi Ekonis : Jurnal Ekonomi dan Bisnis International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Informatika Ekonomi Bisnis Enrichment : Journal of Management Cakrawala Repositori Imwi AMAR (Andalas Management Review) Journal of Social Research Indonesian Journal of Economics and Management Jurnal Manajemen Stratejik dan Simulasi Bisnis Journal of Applied Business and Technology Journal Publicuho e-Jurnal Apresiasi Ekonomi
Fajri Adrianto
Andalas University
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences

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ANALISIS KINERJA BANK PEREKONOMIAN RAKYAT (BPR) SEBELUM DAN SETELAH BERKOLABORASI DENGAN INOVASI FINTECH LENDING DAN FUNDING Desy Amelia; Masyhuri Hamidi; Fajri Adrianto
Journal Publicuho Vol. 8 No. 3 (2025): August - October - Journal Publicuho
Publisher : Halu Oleo University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35817/publicuho.v8i3.925

Abstract

This study analyses the financial performance of Rural Economic Banks (BPR) before and after collaboration with financial technology (fintech) innovations in lending and funding through Komunal Group, the pioneer of BPR digitalisation in Indonesia. The observation period is divided into two phases: before collaboration (2019–2021) and after collaboration (2022–2024). The study aims to examine the influence of financial variables such as Cash Ratio (CR), Loan to Deposit Ratio (LDR), Non-Performing Loan (NPL), and Operating Expenses to Operating Income Ratio (BOPO) on Return on Assets (ROA) of BPR, as well as to compare financial performance between the two periods. The method used is panel data regression with a Random Effect Model, accompanied by tests for normality, heteroscedasticity, multicollinearity, and autocorrelation. The sample consists of 14 BPRs. The results show no significant difference in ROA between the two periods. However, LDR significantly increased and NPL significantly decreased after collaboration, indicating improved credit distribution and asset quality. CR decreased, although not statistically significant, reflecting a shift in liquid assets toward credit expansion through fintech. BOPO consistently has a significant negative effect on ROA in both periods, emphasising the importance of operational efficiency. This study also highlights the need for adaptive liquidity management and good governance to maintain optimal financial performance.
Co-Authors Abel Tasman Adiya, M. Hasmil Amelia Rahmadhani Putri Amrigan Ariza Viska Ramadhan, Bryan Trianda Ginting Cintya Salsabilla Dasatry Dwi Ramadona Dehan Ocdi Milando Deswita Murdiana Desy Amelia Dimas Tristiyono Eka Satria Praja Elita Permanawati Faizah Maya Husna Fany Alfarisi Faradilla Suretno Filardi Rahmadani Fitria Sarah Harif Amali Rivai Hendra Lukito Lora Fitria Sari Lorenza Julia Ningri M. Adriansyah Masyhuri Hamidi, Masyhuri Mesy Ayusari Miranda Nuraini Mohamad Fany Alfarisi Muhammad Farras Aroes MUHARJA, FAJRI Nadya Fritanita Julyazti Nanda Nanda Nanda Nanda Olin Nofita Orie Secunda Ayunitantry Rahmat Eka Putra Ramadinda Risti Rida Rahim Rinda Fithriyana Rizki Fadhel Robby Hafanos Saputra, Syailendra Eka Sari Mardiani Sri Maryati Sri Wahyuni Lubis Subrini Syafrizal Syafrizal Syukri Lukman Tafdil Husni Wardah Awwalin Ikhsaniah Saldi Welliya Elfajri Willa Fatika Sari Yayi Suryo Prabandari Yolanda Eriyani