Dahayu Bethari Widyandri, - and Nisful Laila, - (2022) Analysis of the Influence of Mobile Banking and Financial Inclusion on the Financial Performance of Sharia Banks in Indonesia for the Period 2014-2019. Jurnal Ekonomi Syariah Teori dan Terapan, 9 (1). pp. 14-24. ISSN 2502-1508

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Abstract

Digitalization of banking is done for the use of technology so as to give birth to mobile banking that can expand the reach of financial services and financial inclusion becomes important to show how much financial services have been used and used by the public. This study aims to test and analyze the influence of mobile banking and inclusive finance on the financial performance of Sharia banks in Indonesia. This study used 11 samples of Sharia Commercial Banks and tested using Regression Data Panel with independent financial inclusion variables as measured by ROA, ROE, and BOPO. The result was obtained that mobile banking affects the financial performance of Sharia banks and financial inclusion affects the financial performance proxies with third party funds and office networks but financing has no effect on financial performance. For regulators, in order to educate or provide counseling on financial literacy and inclusion for the people of Indonesia so that the public can feel the benefits of banking financial services. For Sharia commercial banks, in order to expand the mobile banking network to the maximum so as to improve the financial performance of Sharia banks in Indonesia and be a consideration for management to invest in mobile banking to improve the profitability of Sharia banks in the long term.

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