Analisis Strategi Keberlanjutan dan Inklusif dalam Mencapai Profitabilitas: Studi pada Perbankan yang Terdaftar di Bursa Efek Indonesia

Abstract

Sustainable and inclusive finance are concepts that are currently developing rapidly. This concept emerged as a response to the challenges and needs that exist in the current financial system. The purpose of this study was to determine the effect of implementing a green banking strategy, fintech adoption, and financial inclusion on profitability in the banking sector in Indonesia. The object of this study are banking companies listed on the Indonesia Stock Exchange for the 2015-2021 period. In this study, it was found that there were 46 banking companies listed on the IDX, but not all of them were sampled. Panel data regression analysis is an analysis used to see the effect of independent variables on the dependent variable. This study shows the simultaneous results that green banking strategy, fintech adoption, and financial inclusion together have a significant effect on banking profitability. partially, the implementation of green banking strategies and ATM numbers have an effect on bank profits. Meanwhile, fintech adoption, the number of loans, the number of third parties, and the number of branch offices have no effect.