Pengaruh Investasi Ti Terhadap Kinerja Keuangan Bank Yang Terdaftar Di Bursa Efek Indonesia (Bei)
Abstrak
Abstrak Meningkatnya persaingan usaha dalam dunia perbankan menjadi salah satu alasan yang membuat meningkatnya penggunaan teknologi informasi dengan harapan memberikan keunggulan dalam bersaing yang mampu meningkatkan kinerja bank. Investasi pada TI dipercaya mampu meningkatkan secara signifikan profit bank namun, hingga saat ini belum ada cara kongkrit untuk mengukur seberapa besar biaya investasi TI yang harus dikeluarkan bank untuk memperoleh profit yang di inginkan. Hasil dari regresi data panel menunjukan bahwa tidak ada hubungan yang signifikan diantara investasi TI dan ROA, ROE, dan EPS kecuali terhadap NPM. Koefisien investasi TI bernilai negatif terhadap ukuran kinerja keuangan bank ROA dan EPS serta bernilai positif terhadap NPM dan ROE. Koefisien negatif investasi TI menunjukan bahwa investasi yang dikeluarkan menurunkan kinerja keuangan bank, dan sebaliknya koefisien positif menunjukan bahwa investasi TI yang dikeluarkan meningkatkan kinerja keuangan bank. Dari pertanyaan penelitian yang ada terjawab bahwa pengaruh investasi TI tidak signifikan terhadap semua ukuran kinerja keuangan bank yaitu ROA, NPM, ROE, dan EPS. Kata Kunci: Investasi Teknologi Informasi, Kinerja Keuangan. Abstract Increased business competition in the banking world became one of the reasons that made the increasing use of information technology in the hope of providing competitive advantage that can improve bank performance. Investments in IT are believed to significantly increase bank profits but, until now there has been no concrete way to measure how much IT investment costs to incur the bank to obtain the desired profit. The result of panel data regression shows that there is no significant relationship between IT investment and ROA, ROE, and EPS except for NPM. The coefficient of IT investment is negative against the financial performance of bank ROA and EPS and is positive for NPM and ROE. The negative coefficient of IT investment indicates that the investment released decreases the financial performance of the bank, and instead the positive coefficient indicates that the IT investment issued improves the financial performance of the bank. From the question of existing research answered that the influence of IT investment is not significant to all measures of bank financial performance that is ROA, NPM, ROE, and EPS. Keywords: Information Technology Investment, Financial Performance.
Referensi
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