PENGARUH IMPLEMENTASI PEMBAYARAN DIGITAL TERHADAP STABILITAS PERBANKAN SYARIAH DI INDONESIA

Nurlis, Diana Sari (2026) PENGARUH IMPLEMENTASI PEMBAYARAN DIGITAL TERHADAP STABILITAS PERBANKAN SYARIAH DI INDONESIA. Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Perkembangan teknologi informasi dan sistem pembayaran digital telah mendorong transformasi layanan perbankan, termasuk pada perbankan syariah, sehingga diperlukan kajian mengenai pengaruhnya terhadap stabilitas perbankan. Stabilitas perbankan syariah dalam penelitian ini diukur menggunakan Z-score, sedangkan implementasi pembayaran digital diproksikan dengan nilai transaksi pembayaran terhadap produk domestik bruto (PDB). Penelitian ini menggunakan pendekatak kuantitatif dengan jenis penelitian asosiatif. Data yang digunakan merupakan data sekunder yang diperoleh dari laporan keuangan triwulan perbankan syariah di Indonesia selama periode 2020-2024. Teknik analisis data yang digunakan meliputi analisis statistik deskriptif, uji asumsi klasik, analisis regresi, uji parsial (uji t), uji simultan (uji F), dan koefisien determinasi (R2). Hasil penelitian menunjukkan bahwa implementasi pembayaran digital berpengaruh positif dan signifikan terhadap stabilias perbankan syariah di Indonesia. Peningkatan transaksi pembayaran digital mampu meningkatkan efesiensi operasional, memperluas akses layanan keuangan, serta meningkatkan pendapatan berbasi komisi (fee based income), sehingga berdampak pada meningkatnya stabilitas perbankan syariah. Temuan ini menunjukkan bahwa transformasi digital di sektor perbankan syariah merupakan salah satu faktor yang dapat mendukung ketahanan dan stabilitas sistem perbankan di indonesia. Kata kunci : Implementasi pembayaran digital, stabilitas perbankan syariah, Z-score, data panel, Bank Umum Syariah. ABSTRACT The rapid development of information technology and digital payment systems has encouraged the transformation of banking services, including islamic banking, making it necessary to examine its impact on banking stability. Islamic banking stability in this study is measured using the Z-score, while digital payment implementation is proxied by the ratio of digital payment transaction value to Gross Domestic Bruto(GDP). This research employs a quantitative approach with an associative research design. The study uses secondary from the annual financial statements of 14 islamic banking in indonesia, as well as statistical data from bank indonesia for the 2020-2024 period. Data analysis techniques include descriptive statistical analysis, classical assumption tests, regression analysis, partial tests (t-test), simultaneous tests (F-test), and the coefficient of determination (R2). The result indicate that the implementation of digital payments has a positive and significant effect on the stability of islamic banking in indonesia. The increase in digital payment transactions improves operational effficiency, expands access to financial services, and increases fee-based income, thereby enhancing the stability of islamic banks. These findings suggest that digital transformation in the islamic banking sector is an important factor in supporting the resilience and stability of the banking system in Indonesia. Keywords : Digital payment implementation, islamic banking stability, Z-score,panel data, Islamic Commercial Banks.

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