Dewi Rahmayanti’s scientific contributions

Rapid technological advances in recent years have encouraged banks to become digital banks, especially after the COVID-19 outbreak which accelerated the use of digital financial services. The purpose of this study is to look at how CAR, BOPO, LDR, and bank size affect the profitability of Indonesian digital banks. Profitability is measured using ROA as the dependent variable and CAR, BOPO, LDR, and bank size as the independent factors. This study applies a quantitative methodology, specifically panel data regression analysis. The research sample encompasses of 9 digital banks in Indonesia selected with a purposive sampling approach. The sample selection criteria include digital banks that are registered in Indonesia and have disseminated quarterly financial reports from Q1 2022 to Q4 2023 in the financial statements of the Financial Services Authority (OJK). The results show that CAR has a positive and substantial effect on ROA, but BOPO has a negative and significant impact on ROA. Furthermore, LDR and bank size show a favorable and sizable impact on ROA.

Rapid technological advances in recent years have encouraged banks to become digital banks, especially after the COVID-19 outbreak which accelerated the use of digital financial services. This study aims to examine the effect of CAR, BOPO, LDR, and bank size on the profitability of digital banks in Indonesia. Profitability is measured through ROA as the dependent variable, CAR, BOPO, LDR, and bank size as independent variables. This study uses quantitative methodology using panel data regression analysis. The research sample consists of 9 digital banks (neobanks) in Indonesia selected with a purposive sampling approach. The sample selection criteria include digital banks (neobanks) that are registered in Indonesia and have disseminated quarterly financial reports from Q1 2022 to Q4 2023 in the financial statements of the Financial Services Authority (OJK). The results show that CAR has a positive and significant effect on ROA, while BOPO has a negative and significant effect on ROA. Furthermore, LDR and bank size show a favorable and sizable impact on ROA.

This study analyzes the effect of lending money, asset quality, capital adequacy, and bank size on the profitability of state-owned and private banks in Indonesia, with ROA as an indicator. Panel data regression analysis uses bank data listed on the IDX during 2017-2023. This study reveals a significant difference in the effect of profitability between state-owned and private banks. SOE banks experience a significant negative impact from lending money and asset quality, while private banks show a significant positive effect from lending money. Capital adequacy and bank size have a positive effect on SOE banks, but are not significant in private banks. In conclusion, differences in characteristics and strategies affect profitability, with SOEs needing to improve risk management and efficiency, as well as aggressive utilization of deposits for loans in private banks.