Analisis Perbandingan Kinerja Keuangan Bank Umum Syariah Sebelum dan Sesudah Munculnya Financial Technology

Comparative Analysis of Islamic Commercial Bank Financial Performance Before and After the Emergence of Financial Technology

Financial technology (fintech) berkembang pesat dalam beberapa tahun terakhir khususnya di Indonesia. Fintech menawarkan berbagai layanan produk, dimana hal tersebut sangat berpengaruh pada kinerja lembaga keuangan, tidak terkecuali keuangan bank umum syariah. Penelitian ini bertujuan untuk mengetahui seberapa signifikan perbedaan kinerja keuangan bank umum syariah sebelum dan sesudah adanya fintech. Dalam penelitian ini penulis menggunakan data sekunder yang bersumber dari laporan bulanan keuangan bank umum syariah yang diterbitkan oleh Otoritas Jasa Keuangan (OJK) dan menggunakan uji beda (paired sample t-test) untuk teknik analisisnya. Hasil penelitian menunjukkan bahwa  terdapat perbedaan yang signifikan antara indikator resiko Bank Umum Syariah sebelum dan sesudah adanya fintech di Indonesia.

Financial technology (fintech) has developed rapidly in recent years, especially in Indonesia. Fintech offers various product services, which greatly influence the performance of financial institutions, including sharia commercial bank finance. This research aims to find out how significant the differences are in the financial performance of Islamic commercial banks before and after the introduction of fintech. In this research, the author uses secondary data sourced from monthly Islamic commercial bank financial reports published by the Financial Services Authority (OJK) and uses a different test (paired sample t-test) for the analysis technique. The research results show that there was a significant difference between the risk indicators of Islamic Commercial Banks before and after the existence of fintech in Indonesia.