Apakah fintech peer-to-peer lending merugikan profitabilitas bank syariah?
Bukti Empiris dari Bank Umum Syariah dan Unit Usaha Syariah di Indonesia
DOI:
https://doi.org/10.29040/jiei.v11i04.17335Kata Kunci:
Fintech,P2P Lending, Islamic Bank, ROA,Bank ProfitabilityAbstrak
Pinjaman peer-to-peer dalam sektor teknologi finansial telah mengalami perkembangan yang signifikan di Indonesia. Bank-bank syariah, yang tunduk pada prinsip-prinsip Syariah, menawarkan perspektif yang berbeda dalam sektor pinjaman peer-to-peer. Penelitian ini bertujuan untuk menguji dampak pinjaman peer-to-peer terhadap profitabilitas bank syariah di Indonesia. Dataset terdiri dari 72 data runtun waktu bulanan dari bank umum syariah dan unit usaha syariah yang diperoleh dari Otoritas Jasa Keuangan (OJK) yang mencakup periode tahun 2018 hingga 2023. Model ECM digunakan untuk menilai durasi ketidakseimbangan jangka pendek yang akan bertahan dari waktu ke waktu. ROA (Return on asset) berfungsi sebagai variabel dependen, sedangkan variabel independen terdiri dari jumlah penyaluran pinjaman di fintech P2P lending, rasio biaya operasional (OER), rasio pinjaman terhadap aset , jumlah kantor cabang, ukuran bank, dan BI rate. Data menunjukkan bahwa fintech memiliki dampak yang signifikan dan positif terhadap operasional bank umum syariah. Variabel lain yang secara signifikan mempengaruhi ROA antara lain rasio biaya operasional (OER), rasio pinjaman terhadap aset, ukuran bank, dan BI rate. Temuan ini menyoroti pentingnya kolaborasi strategis antara platform pinjaman peer-to-peer dan lembaga-lembaga syariah.
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