Pengaruh Kualitas Aset Terhadap Kinerja Keuangan Bank Komersial Di Era Digital
DOI:
https://doi.org/10.37385/msej.v5i1.3904Keywords:
Kualitas Aset, Kinerja Keuangan, Bank Komersial, Era DigitalAbstract
Kualitas aset memiliki peran penting dalam menentukan kinerja keuangan bank komersial, terutama dalam konteks era digital saat ini. Artikel ini mengkaji pengaruh kualitas aset terhadap kinerja keuangan bank-bank komersial dengan menggunakan metode analisis statistik. Data yang terkumpul akan dianalisis untuk mengidentifikasi hubungan antara kualitas aset dan kinerja keuangan, serta implikasinya dalam menghadapi tantangan era digital. Studi ini diharapkan dapat memberikan wawasan yang mendalam mengenai faktor-faktor yang memengaruhi kinerja keuangan bank di era digital.
References
Al-Tamimi, H. A. H., & Al-Mazrooei, F. (2007). Banks' risk management: A comparison study of UAE national and foreign banks. Journal of Risk Finance, 8(4), 394-409.
Arun, T. (2017). Adapting to the digital era: Challenges and opportunities for banks. International Journal of Bank Marketing, 35(1), 20-35.
Athanasoglou, P. P., Brissimis, S. N., & Delis, M. D. (2008). Bank-specific, industry-specific and macroeconomic determinants of bank profitability. Journal of International Financial Markets, Institutions and Money, 18(2), 121-136.
Berger, A. N., & Bouwman, C. H. S. (2013). Bank liquidity creation. Review of Financial Studies, 22(9), 3779-3837.
Casu, B., Girardone, C., & Molyneux, P. (2015). Introduction to banking. Pearson Education.
Chiorazzo, V., Milani, C., & Salvini, F. (2008). The impact of internet banking on bank performance and risk: The Italian experience. Journal of Financial Services Marketing, 7(2), 139-147.
Doran NM, B?dîrcea RM, Manta AG. Digitization and Financial Performance of Banking Sectors Facing COVID-19 Challenges in Central and Eastern European Countries. Electronics. 2022; 11(21):3483. https://doi.org/10.3390/electronics11213483
Gaganis, C., Hasan, I., & Pasiouras, F. (2013). Efficiency and stock returns: Evidence from the insurance industry. Journal of Productivity Analysis, 39(2), 161-175.
Galletta S, Mazzù S. Liquidity Risk Drivers and Bank Business Models. Risks. 2019; 7(3):89. https://doi.org/10.3390/risks7030089
Guiné RPF, Florença SG, Barroca MJ, Anjos O. The Link between the Consumer and the Innovations in Food Product Development. Foods. 2020; 9(9):1317. https://doi.org/10.3390/foods9091317
Hussainey, K., Mgbame, C. O., & Chijoke-Mgbame, A. M. (2011). Financial reporting quality and corporate performance: Evidence from Nigeria. Journal of Applied Accounting Research, 12(1), 1-16.
Kaddumi TA, Baker H, Nassar MD, A-Kilani Q. Does Financial Technology Adoption Influence Bank’s Financial Performance: The Case of Jordan. Journal of Risk and Financial Management. 2023; 16(9):413. https://doi.org/10.3390/jrfm16090413
Kil K, Ciukaj R, Chrzanowska J. Scoring Models and Credit Risk: The Case of Cooperative Banks in Poland. Risks. 2021; 9(7):132. https://doi.org/10.3390/risks9070132
Natufe OK, Evbayiro-Osagie EI. Credit Risk Management and the Financial Performance of Deposit Money Banks: Some New Evidence. Journal of Risk and Financial Management. 2023; 16(7):302. https://doi.org/10.3390/jrfm16070302
Pathirana A, Radhakrishnan M, Bevaart M, Voost E, Mahasneh S, Abu Al Rob H. Fit-for-Purpose Infrastructure Asset Management Framework for Water Utilities Facing High Uncertainties. Infrastructures. 2018; 3(4):55. https://doi.org/10.3390/infrastructures3040055
Peykani P, Sargolzaei M, Botshekan MH, Oprean-Stan C, Takaloo A. Optimization of Asset and Liability Management of Banks with Minimum Possible Changes. Mathematics. 2023; 11(12):2761. https://doi.org/10.3390/math11122761
Sidhu AV, Rastogi S, Gupte R, Bhimavarapu VM. Impact of Liquidity Coverage Ratio on Performance of Select Indian Banks. Journal of Risk and Financial Management. 2022; 15(5):226. https://doi.org/10.3390/jrfm15050226
Wu C, Liu T, Yang X. Assessing the Impact of Digital Finance on the Total Factor Productivity of Commercial Banks: An Empirical Analysis of China. Mathematics. 2023; 11(3):665. https://doi.org/10.3390/math11030665