Nadya Qotrunida Atamimi, . (2025) ANALISIS DESKRIPTIF TINGKAT KESEHATAN BANK DIGITAL KONVENSIONAL TAHUN 2021-2023. Tugas Akhir thesis, Universitas Pembangunan Nasional Veteran Jakarta.
![[img]](http://repository.upnvj.ac.id/style/images/fileicons/text.png) |
Text
ABSTRAK.pdf Download (228kB) |
|
Text
AWAL.pdf Download (1MB) |
|
Text
BAB 1.pdf Restricted to Repository UPNVJ Only Download (335kB) |
|
Text
BAB 2.pdf Restricted to Repository UPNVJ Only Download (329kB) |
|
Text
BAB 3.pdf Restricted to Repository UPNVJ Only Download (333kB) |
|
Text
BAB 4.pdf Restricted to Repository UPNVJ Only Download (468kB) |
|
Text
BAB 5.pdf Download (254kB) |
|
Text
DAFTAR PUSTAKA.pdf Download (239kB) |
|
Text
RIWAYAT HIDUP.pdf Restricted to Repository UPNVJ Only Download (148kB) |
|
Text
LAMPIRAN.pdf Restricted to Repository UPNVJ Only Download (2MB) |
|
Text
HASIL PLAGIARISME.pdf Restricted to Repository staff only Download (13MB) |
Abstract
This final project is intended to examine the financial soundness of conventional digital banks in Indonesia for the period 2021–2023, employing the indicators of Loan to Deposit Ratio (LDR), Return on Assets (ROA), and Capital Adequacy Ratio (CAR). The study utilizes secondary data derived from the official annual financial statements of conventional digital banks, accessed through the official websites of the Financial Services Authority (OJK) and the respective banks. The data were processed using Microsoft Excel and analyzed through a financial ratio approach in accordance with the assessment standards set forth in POJK Regulation Number 4/POJK.03/2016 concerning the health level of commercial banks. The findings indicate that the LDR ratio in several banks remains imbalanced, thereby necessitating efforts to strengthen low-cost funding to safeguard liquidity. Meanwhile, profitability as reflected by the ROA shows an improving trend in line with increased operational efficiency and the optimization of credit distribution. In addition, the capital position of digital banks remains firmly within the “highly sound” category, despite challenges posed by the costs of digital transformation and business expansion. It is anticipated that this paper may serve as a useful reference for relevant stakeholders in formulating strategic decisions to maintain the financial stability of digital banks in the years ahead.
| Item Type: | Thesis (Tugas Akhir) |
|---|---|
| Additional Information: | [No. Panggil: 2210101044] [Pembimbing: Siti Hidayati] [Penguji 1: Wahyudi] [Penguji 2; Ranila Suciati] |
| Uncontrolled Keywords: | CAR, Digital Banks, Financial Soundness, LDR, ROA |
| Subjects: | H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management H Social Sciences > HD Industries. Land use. Labor > HD61 Risk Management |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) |
| Depositing User: | NADYA QOTRUNIDA ATAMIMI |
| Date Deposited: | 12 Aug 2025 02:38 |
| Last Modified: | 12 Aug 2025 02:38 |
| URI: | http://repository.upnvj.ac.id/id/eprint/38839 |
Actions (login required)
 |
View Item |