DIGITAL FINANCIAL SERVICES DAN IMPLIKASINYA TERHADAP LIKUIDITAS PERBANKAN DI KAWASAN ASIA

MARIYAM, SYARIFAH and Saputri, Nyimas Dewi Murnila (2025) DIGITAL FINANCIAL SERVICES DAN IMPLIKASINYA TERHADAP LIKUIDITAS PERBANKAN DI KAWASAN ASIA. Undergraduate thesis, Sriwijaya University.

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Abstract

Perkembangan pesat Digital Financial Services (DFS) telah merevolusi industri perbankan di Asia, membawa peluang efisiensi sekaligus tantangan terhadap stabilitas likuiditas. Penelitian ini bertujuan untuk menganalisis pengaruh adopsi DFS terhadap likuiditas perbankan di kawasan Asia serta menguji peran moderasi ukuran bank (size) dalam hubungan tersebut. Menggunakan data panel seimbang (balanced panel) dari 120 bank di 9 negara Asia selama periode 2019–2023, penelitian ini menerapkan model Fixed Effects dengan efek tetap bank dan waktu untuk mengendalikan heterogenitas yang tidak teramati. Indikator likuiditas diukur melalui Liquidity Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR), dan Loan to Deposit Ratio (LDR) sesuai standar Basel III. Hasil penelitian menunjukkan bahwa DFS memiliki pengaruh signifikan terhadap likuiditas bank, dengan arah pengaruh yang bervariasi tergantung indikator yang digunakan. DFS berpengaruh positif signifikan terhadap LCR dan NSFR, namun berpengaruh negatif signifikan terhadap LDR. Selain itu, ukuran bank terbukti memoderasi hubungan ini, di mana bank berskala besar cenderung lebih mampu mempertahankan likuiditas dibandingkan bank kecil. Temuan ini menegaskan pentingnya strategi digitalisasi yang disesuaikan dengan kapasitas bank, serta perlunya kebijakan pengawasan likuiditas yang adaptif di era transformasi keuangan digital. Kata kunci: Digital financial services, Likuiditas perbankan, Ukuran bank, Data panel, Basel III

Item Type:	Thesis (Undergraduate)
Uncontrolled Keywords:	Digital financial services, Likuiditas perbankan, Ukuran bank, Data panel, Basel III
Subjects:	H Social Sciences > HG Finance > HG1-9999 Finance H Social Sciences > HG Finance > HG4001-4285 Finance management. Business finance. Corporation finance
Divisions:	01-Faculty of Economics > 61201-Management (S1)
Depositing User:	Syarifah Mariyam
Date Deposited:	19 Sep 2025 07:33
Last Modified:	19 Sep 2025 07:33
URI:	http://repository.unsri.ac.id/id/eprint/184345

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