Pengaruh Dana Pihak Ketiga, Loan To Deposit Ratio, Dan Non Perfoming Loan Terhadap Kinerja Keuangan Pada Bank Digital Indonesia
DOI:
https://doi.org/10.32795/v37m3e21Keywords:
Third Party Fund (DPK), Loan To Deposit Ratio (LDR), Non Performing Loan (NPL), Net Interest Margin (NIM)Abstract
The financial performance of a bank reflects the extent to which the bank has succeeded in its operations. Banking financial performance is a crucial element in evaluating the overall achievements of a bank. This includes assessments of assets, liabilities, liquidity, and other elements. A company with optimal financial performance will achieve maximum profits, which in turn will demonstrate a high return on investment. This research investigates the effects of third-party funds, LDR, and NPL on the financial outcomes of digital banks in Indonesia. The study covers all digital banks operating in Indonesia between 2021 and 2023, with a total of 15 banks considered. The sampling process was conducted using a purposive sampling technique, focusing on two main criteria: (1) digital banks located in Indonesia and (2) those that published financial statements for the years 2021-2023. The analysis utilized multiple regression methods to examine the data. The results indicate that third-party funds do not significantly affect the financial performance of digital banks in Indonesia. In contrast, the loan-to-deposit ratio has a substantial and positive impact on financial performance, while non-performing loans do not significantly influence these banks' financial outcomes
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