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All Journal Indo-Fintech Intellectuals: Journal of Economics and Business Nusantara Economics and Entrepreneurships Journals
Rahim, Fitriani
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Humanities Economics, Econometrics & Finance Education Social Sciences

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Evaluation of Recovery Strategy and Digital Transformation on BNI's Financial Performance Post COVID-19 Pandemic Aslam, Annisa Paramaswary; Yasir, Muhammad; Rahim, Fitriani
Nusantara Economics and Entrepreneurships Journals VOl.3,N0.1, (APRIL, 2025)
Publisher : PUSAT KEWIRAUSAHAAN UNIVERSITAS BALIKPAPAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/necent.v3i1.82

Abstract

This study aims to evaluate the financial performance of PT Bank Negara Indonesia (Persero) Tbk. during the period from 2020 to 2024, considering the impact of the COVID-19 pandemic and the role of digital transformation in the recovery process. The analysis uses key financial ratios, including Return on Assets (ROA), Return on Equity (ROE), the Operating Expense to Operating Income ratio (BOPO), and Net Profit Margin (NPM). A descriptive quantitative method is employed, using documentary study from BNI's annual financial reports and secondary data from the Financial Services Authority (OJK). The analysis results show that 2020 was the most challenging year for BNI, with a sharp decline in profitability and efficiency indicators. However, from 2021 to 2024, there was significant recovery across almost all financial indicators, reflecting the success of cost-efficiency strategies, asset productivity improvements, and the implementation of digital services. This study underscores the importance of adapting banking strategies to face crises and foster long-term growth through digital transformation.
THE IMPACT OF FINANCIAL TECHNOLOGY (FINTECH) IMPLEMENTATION ON THE OPERATIONAL EFFICIENCY OF BANKS LISTED ON THE INDONESIA STOCK EXCHANGE Amin, Andi Mustika; Rahim, Fitriani; Ridho, M. Yunasri
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 5 No. 3 (2025): Indo-Fintech Intellectuals: Journal of Economics and Business (2025)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v5i3.4250

Abstract

Perkembangan teknologi digital telah membawa transformasi besar bagi industri perbankan, terutama melalui inovasi keuangan berbasis teknologi (fintech). Penelitian ini bertujuan untuk menganalisis pengaruh implementasi fintech terhadap efisiensi operasional bank yang terdaftar di Bursa Efek Indonesia (BEI). Efisiensi operasional diukur menggunakan dua indikator utama: rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO) dan Rasio Biaya terhadap Pendapatan (CIR). Penelitian ini menggunakan pendekatan kuantitatif dengan regresi data panel, menggunakan laporan keuangan tahunan bank untuk periode 2019-2023. Hasilnya menunjukkan bahwa jumlah transaksi digital memiliki efek negatif dan signifikan terhadap BOPO dan CIR, yang menunjukkan bahwa semakin tinggi volume transaksi digital, semakin efisien kinerja operasional bank. Temuan ini menunjukkan bahwa digitalisasi transaksi dapat mengurangi biaya operasional dan meningkatkan produktivitas bank. Implikasi praktis dari penelitian ini menyoroti pentingnya investasi berkelanjutan dalam infrastruktur digital, memperkuat keamanan siber, dan mendidik pelanggan untuk mendorong adopsi layanan digital yang lebih luas. Lebih lanjut, temuan ini diharapkan dapat menjadi referensi bagi regulator dalam merumuskan kebijakan yang mendukung transformasi perbankan digital, menjaga stabilitas sistem keuangan, dan meningkatkan daya saing industri perbankan di era digital.
Co-Authors Andi Mustika Amin Aslam, Annisa Paramaswary Muhammad Yasir Ridho, M. Yunasri