Dampak Branchless Banking Terhadap Kinerja Keuangan PT Bank Muamalat Indonesia Tbk
Main Article Content
Abstract
Branchless Banking is part of the financial inclusion program, which provides financial services performed outside bank branches using information and communication technology as well as non-bank retail agents. Branchless Banking was already done by Bank Muamalat Indonesia in cooperation with PT Pos Indonesia as an agent since 2004. This study aims to analyze the performance of Bank Muamalat Indonesia before and after Branchless Banking and formulate alternative strategies for Bank Muamalat Indonesia to improve their financial performance. This study uses the financial ratio such as Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Return on Assets (ROA), and Operating Expenses Operating Income (BOPO) with paired samples t-test method to obtain the level of significance. This study finds that the financial ratio in the form of CAR, ROA and ROA before and after Branchless Banking significantly different, while the FDR doesn’t differ significantly.
Downloads
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Author(s) who published in this journal agree to following terms:
- Authors understand and agree that copyright of manuscripts published are held by Al-Muzara'ah. The statement to release the copyright to Al-Muzara'ah is stated in form CTA (link doc).
- Copyright encompass exclusive rights to reproduce, to distribute, and to sell any part of the journal articles in all form and media.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License (CC BY-SA) where Authors and Readers can copy and redistribute the material in any medium or format, as well as remix, transform, and build upon the material for any purpose, but they must give appropriate credit (cite to the article or content), provide a link to the license, and indicate if changes were made. If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original.
References
Aduda J, Kiragu P, Ndwiga JM. 2013. The Relationship Between Agency Banking and Financial Performance of Commercial Banks in Kenya. Journal of Finance and Investment Analysis. 2(4):97-117.
Al-Astal AY. 2008. The Use of Simulation for Evaluating Branchless Banking Servicing Opportunities via Cell Phones (A Case Study on Palestine Islamic Bank). [disertasi]. Faculty of Commerce Department of Business Administration. Islamic University of Gaza
Al-Hawari, Mohammed. 2006. The Effect of Automates Service Quality on Bank Financial Performance and The Mediating Role of Customer Retention. Journal of Financing Services Marketing.10(3): 228-243.
Anand MB, Sreenivas DL. 2013 A Study on Branchless Banking in India. International Journal of Development Research. 3(8):1-6.
Bank Indonesia. 2011. Penerapan Branchless Banking di Indonesia. Direktorat Penelitian dan Pengaturan Perbankan. Preliminary Study. Jakarta.
Bank Indonesia. 2012. Laporan Perkembangan Perbankan Syariah. Jakarta.
Bank Indonesia. 2013. Tim Ekonomi Moneter KPw BI Provinsi Sulawesi Tengah. Branchless Banking, Satu Pilar Mencapai Keuangan Inklusif. Kajian ekonomi Regional Provinsi Sulawesi Tengah Triwulan I-2013.
Bank Muamalat Indonesia. 2013. Laporan Tahunan. Jakarta.
Dendawijaya. 2003. Manajemen Perbankan. Jakarta: Penerbit Ghalia Indonesia.
Gant, Amanda L. 2012. Effects of Mobile Banking in Microfinance Institution Performance in Kenya. [tesis]. Faculty of The Graduate School of Arts and Sciences of Georgetown University.
Gupta A. 2011. Terrorism and its Impact on Financial Performance: A Case of Tourism Industry. International Journal of Financial Management. 1(4): 46-52.
Ho S, Mallick S. 2006. The Impact of Information Technology on the Banking Industry: Theory and Empirics.
Juanda B. 2007. Metodologi Penelitian Ekonomi dan Bisnis. IPB Press.Bogor.
Karim, Alam. 2013. An Evaluation of Financial Performance of Private Commercial Banks in Bangladesh: Ratio Analysis. Journal of Business Studies Quarterly.5(2): 65-77.
Kasmir. 2003. Manajemen Perbankan. Jakarta: Raja Grafindo Persada.
Khattab, Ishgara, Balola Y, Eldabi T. 2012. Factor Influencing Branchlesss Banking for Microfinance in Sudan: Theoretical Perspectives and Future Directions. European, Mediterranean & Middle Eastern Conference on Information Systems. Munich, Germany p.833-847.
Khrawish HA. 2011. Determinants of Commercial Banks Performance: Evidence from Jordan. International Research Journal of Finance and Economics. Zarqa University. 5(5):19-45.
Lyman TR, Ivatury G, Staschen S. 2006. Use of Agents in Branchless Banking for The Poor: Rewards, Risks, and Regulations. Focus Note No.38. CGAP. Washington DC.
Media Muamalat. Edisi 11. November 2012. Bank Muamalat Raih Digital Brand 2012.
Muhammad. 2005. Bank Syariah Problem dan Prospek Perkembangan di Indonesia. Yogyakarta: Graha Ilmu.
Mwando S. 2013. Contribution of Agency Banking On Financial Performance Commercial Banks In Kenya. Journal of Economics and Sustainable Development. 4(20):26-34.
Naga SR, Tabassum SS. 2013. Financial Performance Analysis in Banking Sector-A Pre and Post Merger Perspective. Advances in Management, Monthly Journal.6(10): 55-61.
Okiro K, Ndungu J. 2013. The Impact of Mobile and Internet Banking on Performance of Financial Institutions in Kenya. European Scientific Journal,May 2013 edition.9(13): 146-161.
Oyewole, Abba, El-maude, Gambo. 2013. E-Banking and Bank Performance: Evidence from Nigeria. International Journal of Scientific Engineering and Technology (IJSET).2(8): 766-771.
Pearce JA, Robinson RB. 2013. Manajemen Strategis: Formulasi, Implementasi, dan Pengendalian. Jakarta: Salemba Empat.
Peraturan Bank Indonesia Nomor 14/27/PBI/2012 tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Umum
Rangkuti F. 2013. Analisis SWOT: Teknik Membedah Kasus Bisnis-Cara Perhitungan Bobot, Rating, dan OCAI. Jakarta: PT Gramedia Pustaka Umum.
Rosada N. 2013. Analisis Pengaruh Rasio Keuangan Terhadap Kinerja Keuangan Pada PT. Bank Muamalat Indonesia, Tbk. Jurnal Ekonomi dan Informasi Akuntansi (JENIUS). 3(1): 74-93.
Sawir A. 2001. Analisis Kinerja Keuangan dan Perencanaan Keuangan Perusahaan. Jakarta: PT. Gramedia Pustaka Utama.
Tarawneh M. 2006. A Comparison of Financial Perfomance in The Banking Sector: Some Evidence from Omani Commercial Banks. Internatinal Research Journal of Finance and Economics.
Usman A, Khan MK. 2012. Evaluating the Financial Performance of Islamic and Conventional Banks of Pakistan: A Comparative Analysis. International Journal of Business and Social Science.3(7): 253-257
Wawira NJ. 2013. Contribution of Agency Banking on Financial Performance of Commercial Banks in Kenya. [tesis]. Master of Business Administration Degree of Kenyatta University.