Pengaruh Environmental, Social, and Governance (ESG) dan Aktivitas Penggunaan Teknologi Finansial oleh Konsumen terhadap Kinerja Keuangan Perbankan (Studi Kasus: Perbankan yang Terdaftar di Bursa Efek Indonesia (BEI))

Fatimah, Jihan (2025) Pengaruh Environmental, Social, and Governance (ESG) dan Aktivitas Penggunaan Teknologi Finansial oleh Konsumen terhadap Kinerja Keuangan Perbankan (Studi Kasus: Perbankan yang Terdaftar di Bursa Efek Indonesia (BEI)). Other thesis, Institut Teknologi Sepuluh Nopember.

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Abstract

Di tengah tantangan global terkait keberlanjutan dan inovasi teknologi, perbankan memiliki peran strategis dalam mendukung pertumbuhan ekonomi yang berkelanjutan melalui integrasi ESG dalam strategi bisnis dan penerapan teknologi finansial untuk meningkatkan efisiensi operasional. Integrasi Environmental, Social, Governance (ESG) sangat penting bagi semua organisasi, terutama bagi lembaga keuangan yang berperan dalam menjaga stabilitas ekonomi. Penelitian ini bertujuan untuk mengetahui informasi tentang aktivitas dari setiap pilar ESG dan aktivitas penggunaan teknologi finansial oleh konsumen, serta dampaknya terhadap kinerja keuangan perbankan. Metode yang digunakan dalam penelitian ini adalah teknik kuantitatif eksplanatif dengan analisis regresi data panel. Data yang digunakan pada penelitian ini terdiri dari skor ESG, laporan keuangan, dan laporan keberlanjutan yang bersumber dari Bloomberg Terminal dan BEI. Kinerja keuangan diukur dengan Return on Assets (ROA), Return on Equity (ROE), dan Net Interest Margin (NIM). Hasil analisis regresi data panel menunjukkan bahwa ESG secara keseluruhan tidak memiliki pengaruh signifikan terhadap kinerja keuangan. Pilar Environmental memiliki hubungan negatif signifikan terhadap ROA dan ROE, sementara Pilar Social menunjukkan hubungan positif tidak signifikan terhadap ROA dan NIM, serta negatif tidak signifikan terhadap ROE. Sebaliknya, Pilar Governance memiliki hubungan positif signifikan terhadap ROA dan ROE, tetapi tidak signifikan terhadap NIM. Selain itu, adopsi teknologi finansial oleh konsumen terbukti meningkatkan efisiensi operasional dan profitabilitas perbankan, meskipun dampaknya pada Net Interest Margin (NIM) tidak signifikan.
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Amid global sustainability and technological innovation challenges, the banking sector plays a strategic role in supporting sustainable economic growth by integrating Environmental, Social, and Governance (ESG) principles into business strategies and adopting financial technology to enhance operational efficiency. The integration of ESG is crucial for all organizations, especially financial institutions, which are pivotal in maintaining economic stability. This study aims to examine the activities of each ESG pillar and the adoption of financial technology by consumers, as well as their impacts on the financial performance of banks. The research employs a quantitative explanatory method using panel data regression analysis. The data include ESG scores, financial reports, and sustainability reports from Bloomberg Terminal and the Indonesia Stock Exchange (IDX). Financial performance is measured using Return on Assets (ROA), Return on Equity (ROE), and Net Interest Margin (NIM). The panel data regression analysis results indicate that ESG does not have a significant impact on financial performance. The Environmental pillar exhibits a significant negative relationship with ROA and ROE. Meanwhile, the Social pillar shows an insignificant positive relationship with ROA and NIM, as well as an insignificant negative relationship with ROE. Conversely, the Governance pillar demonstrates a significant positive relationship with ROA and ROE but an insignificant relationship with NIM. Additionally, consumers' adoption of financial technology enhances banks' operational efficiency and profitability, although its effect on NIM is not statistically significant.

Item Type:	Thesis (Other)
Uncontrolled Keywords:	Aktivitas Penggunaan Teknologi Finansial, Bank, Bursa Efek Indonesia, ESG, Kinerja Keuangan. Financial Technology Usage Activities, Bank, Indonesia Stock Exchange, ESG, Financial Performance.
Subjects:	H Social Sciences > H Social Sciences (General) H Social Sciences > HA Statistics > HA30.3 Time-series analysis H Social Sciences > HA Statistics > HA31.3 Regression. Correlation. Logistic regression analysis. H Social Sciences > HC Economic History and Conditions > HC441 Macroeconomics. H Social Sciences > HC Economic History and Conditions > HC79.E5 Sustainable development. (circular economy) H Social Sciences > HF Commerce > HF5415.32 Consumers' preferences H Social Sciences > HF Commerce > HF5548.34 Mobile commerce. H Social Sciences > HG Finance H Social Sciences > HJ Public Finance T Technology > T Technology (General)
Divisions:	Faculty of Creative Design and Digital Business (CREABIZ) > Business Management > 61205-(S1) Undergraduate Thesis
Depositing User:	Jihan Fatimah
Date Deposited:	30 Jan 2025 07:49
Last Modified:	30 Jan 2025 07:49
URI:	http://repository.its.ac.id/id/eprint/117211

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