ANALISIS PENGARUH TOTAL ASET TURNOVER (TATO), NET PROFIT MARGIN (NPM), DAN RETRUN ON INVESTMENT (ROI) TERHADAP KINERJA KEUANGAN BANK DIGITAL SYARIAH DAN BANK DIGITAL KONVENSIONAL YANG TERDAPAT DI OJK PERIODE 2022-2024

DHIKA, RIMA ANWAR (2026) ANALISIS PENGARUH TOTAL ASET TURNOVER (TATO), NET PROFIT MARGIN (NPM), DAN RETRUN ON INVESTMENT (ROI) TERHADAP KINERJA KEUANGAN BANK DIGITAL SYARIAH DAN BANK DIGITAL KONVENSIONAL YANG TERDAPAT DI OJK PERIODE 2022-2024. Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Perkembangan bank digital di Indonesia didorong OJK seiring digitalisasi keuangan. Kinerja keuangan bank digital, konvensional dan syariah, diukur melalui profitabilitas khususnya ROA. Fluktuasi kinerja mendorong penelitian pengaruh TATO, NPM, dan ROI terhadap kinerja keuangan bank digital periode 2022–2024. Tujuan dilakukannya penelitian ini adalah untuk menganalisis pengaruh Total Aset Turnover (TATO), Net Profit Margin (NPM), dan Retrun On Investment (ROI) terhadap kinerja keuangan Bank Digital Syariah dan Bank Digital Konvensional yang terdapat di OJK Periode 2022 2024. Penelitian ini termasuk penelitian pustaka (library research). Sampel yang penulis dapatkan dari 12 bank digital yang telah memenuhi kriteria kelayakan data serta konsistensi pelaporan selama periode tahun 2022 hingga 2024. Sehingga sampel yang digunakan dalam penelitian ini adalah 36 sampel. Teknik pengumpulan data dengan dokumentasi. Teknik analisa data dengan analisis regresi lineasr berganda. Hasil penelitian menyimpulkan bahwa secara parsial Total Aset Turnover (TATO) dan Return on Investment (ROI) tidak berpengaruh terhadap kinerja keuangan Bank Digital Syariah dan Bank Digital Konvensional yang terdapat di OJK Periode 2022-2024. Namun Net Profit Margin (NPM) berpengaruh positif dan signifikan terhadap kinerja keuangan Bank Digital Syariah dan Bank Digital Konvensional yang terdapat di OJK Periode 2022-2024. Sedangkan secara simultan, Total Aset Turnover (TATO), Net Profit Margin (NPM), Dan Retrun On Investment (ROI) berpengaruh terhadap kinerja keuangan Bank Digital Syariah dan Bank Digital Konvensional yang terdapat di OJK Periode 2022-2024. Kinerja keuangan bank digital tidak ditentukan oleh satu rasio secara terpisah, melainkan oleh keterpaduan efisiensi aset, kemampuan menghasilkan laba bersih, dan efektivitas pengelolaan investasi. Kata kunci : Total Aset Turnover (TATO), Net Profit Margin (NPM), Retrun On Investment (ROI), Return on Assets (ROA), Bank Digital. ABSTRACT The development of digital banks in Indonesia is driven by the Financial Services Authority (OJK) in line with financial digitalization. The financial performance of digital banks, both conventional and Islamic, is measured through profitability, specifically ROA. Fluctuations in performance prompted this study to examine the influence of TATO, NPM, and ROI on the financial performance of digital banks for the 2022–2024 period. The purpose of this study was to simultaneously analyze the influence of Total Asset Turnover (TATO), Net Profit Margin (NPM), and Return on Investment (ROI) on the financial performance of Islamic and conventional digital banks registered with the OJK for the 2022–2024 period. This research is library research. The author obtained samples from 12 digital banks that met the criteria for data eligibility and consistent reporting from 2022 to 2024. Therefore, the sample size used in this study was 36. Data collection techniques included documentation, and multiple linear regression analysis was used to analyze the data. The study concluded that, partially, Total Asset Turnover (TATO) and Return on Investment (ROI) had no effect on the financial performance of Sharia Digital Banks and Conventional Digital Banks registered with the Financial Services Authority (OJK) for the 2022-2024 period. However, Net Profit Margin (NPM) had a positive and significant effect on the financial performance of Sharia Digital Banks and Conventional Digital Banks registered with the OJK for the 2022 2024 period. Simultaneously, Total Asset Turnover (TATO), Net Profit Margin (NPM), and Return on Investment (ROI) influenced the financial performance of Sharia Digital Banks and Conventional Digital Banks registered with the OJK for the 2022-2024 period. The financial performance of digital banks is not determined by a single ratio in isolation, but rather by the integration of asset efficiency, net profit generation, and investment management effectiveness. Keywords: Total Asset Turnover (TATO), Net Profit Margin (NPM), Return on Investment (ROI), Return on Assets (ROA), Digital Bank.

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