CD Tesis
Analisis Pengaruh Perkembangan Fintech dan Variabel makroekonomi terhadap Stabilitas Keuangan Perbankan di Indonesia
This study aims to analyze and examine the influence of Fintech Development and Macroeconomic Variables on Banking Financial Stability in Indonesia. This study is a quantitative study by obtaining statistical data published monthly by the Financial Services Authority in the period from January 2019 to December 2023. The data is in the form of time series so that the method used is the Vector Error Correction Model (VECM), namely there is a long-term relationship. The results of this study indicate that in the short and long term, the variables of the amount of credit distribution, the number of lender accounts and inflation consistently have a positive and significant effect on the financial stability of banking in Indonesia. While the number of borrower accounts, banking size and GDP in the short and long term have a negative and significant effect consistently on the financial stability of banking in Indonesia. Further research can integrate fintech and banks by adding market conditions that have an important role in business aspects as well as the role of financial inclusion and regulators such as sandbox regulators and reg tech that can mediate competition between traditional banking and technology-based fintech.
Keywords: Amount of Credit Distribution, Number of Lender Accounts, Number of Borrower Accounts, Bank Size, Inflation, GDP and VECM
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