Research Article
Cashless Banking and Financial Performance of Bank Rakyat Indonesia
@INPROCEEDINGS{10.4108/eai.1-10-2020.2304741, author={Nyi Ayu Helfasari and Rindu Rika Gamayuni and Usep Syaipudin}, title={Cashless Banking and Financial Performance of Bank Rakyat Indonesia}, proceedings={Proceedings of the First International Conference of Economics, Business \& Entrepreneurship, ICEBE 2020, 1st October 2020, Tangerang, Indonesia}, publisher={EAI}, proceedings_a={ICEBE}, year={2021}, month={4}, keywords={cashless banking financial performance roe ldr}, doi={10.4108/eai.1-10-2020.2304741} }- Nyi Ayu Helfasari
Rindu Rika Gamayuni
Usep Syaipudin
Year: 2021
Cashless Banking and Financial Performance of Bank Rakyat Indonesia
ICEBE
EAI
DOI: 10.4108/eai.1-10-2020.2304741
Abstract
This study aims to examine the effect of cashless transactions, on financial performance. The study focused on Bank Rakyat Indonesia using quarterly data for the 2012-2018 period. Whereas the comparative model used data 10 quarters before August 2014 and 10 quarters after August 2014. Data were analyzed using multiple linear regression analysis and a paired sample t-test comparison test. This study shows empirical evidence that the cashless variable, namely debit / ATM cards, credit cards, checks and bilyet transfers, electronic money and mobile banking, only the variables bilyet and bank checks which has no effect on profitability. This study also showed that there were differences between the financial performance variables measured using the return on equity before the return on equity after the Non-Cash National Movement launched by Bank Indonesia on August 14, 2014, whereas for the Loan to Deposit Ratio variable there is no difference.