Pengaruh Financial Technology Terhadap Profitabilitas Bank Mandiri
Abstract
The purpose of this study was to determine the effect of financial technology on Bank Mandiri's profitability before and during the Covid 19 pandemic. The analytical method in this study uses secondary data, namely data obtained from the annual financial reports contained on the official website www.bankmandiri.co.id and perform a different test using SPSS. The results showed that the effect of financial technology on Bank Mandiri's profitability before and during the Covid 19 pandemic was no difference in the use of financial technology with the variables ROA, ROE, and NIM, on Bank Mandiri's profitability for the 2018-2021 period.
References
Annafsun Nadzifah, Jaka Sriyana . (2020). Analisis Pengaruh Inflasi, Kurs, Birate, PDB Dan Kinerja Internal Bank Terhadap Profitabilitas Pada Perbankan Syariah Dan Konvensional. Universitas Islam Indonesia, 45-47.
Arnes, Douglas W. Dkk. (2015). The Evolution of Fintech: A New Post-Crisis Paradigm? Journal of International Law Research Paper, 44-48.
Brigham, Eugene F. dan Joel F. Houston. (2010). Fundamentals or Financial Management: Dasar-dasar Manajemen Keuangan. Jakarta: Salema Empat.
Defri. (2012). Pengaruh Capital Adequacy Ratio (CAR), Likuiditas dan Efisiensi Operasional Terhdap Profitabilitas Perusahaan Perbankan yang terdaftar di BEI. Universitas Negeri Padang, 10-18.
Dermawan dan Djahotman. (2013). Analisis Rasio Keuangan. Jakarta: Mitra Wacana Media.
Diana Puspa, Hendratno. (2020). Pengaruh Financial Tecnology (Fintech) Terhadap Profitabilitas Dan Efesiensi Operasi Pada Perbankan Badan Usaha Milik Negara (BUMN). Universitas Telkom, 5775-5777.
Hery. (2019). Analisis Laporan Keuangan. Jakarta: Bumi Aksara.
Ilham Suwanderi, Lindrianasari, Niken Kusumawardani. (2020). Pengaruh Penerapan Fintech, Dana Pihak Ketiga, Dan Efisiensi Operasional Terhadap Profitabilitas. Universitas Lampung, 22-25.
Kasmir. (2012). Dasar-dasar Perbankan. Jakarta: Rajawali Pers.
Kasmir. (2015). Analisis Laporan Keuangan. Jakarta: PT Raja Grafindo Persada. Prastika, Y. (2019). Pengaruh Financial Technology (Fintech) Terhadap Profitabilitas Perbankan Syariah. UIN Raden Intan Lampung, 63-66.
Qomariyah, N. (2018). Bank Dan Lembaga Keuangan Lain. Jember: Cahaya Ilmu.
Ratnawati, T. D. (2020). Pengaruh Financial Technology Terhadap Profitabilitas Bank Konvensional. Universitas Bhayangkara Surabaya, 82-85.
Renata Bela Cantika, Diyah Santi Hariyani, Arifiansyah Saputra. (2022). Pengaruh Penggunaan Financial Technology Terhadap Tingkat Profitabilitas Perusahaan Sektor Perbankan Sebelum dan Selama Pandemi Covid-19. Jurnal Ilmu Manajemen Retail (JIMAT), 49-53.
Sari, A. R. (2021). Analisis Financial Technolog Y (Fintech) Sebelum Dan Sesudah Adanya Mobile Banking Terhadap Profitabilitas PT BNI Tbk. Universitas Gunadarma, 12-18.
Copyright (c) 2023 Nurul Azmi, Yuni Yuniawati

This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (Refer to The Effect of Open Access).













