THE EFFECT OF FINANCIAL TECHNOLOGY, INTELLECTUAL CAPITAL, LEVERAGE RATIO, AND LIQUIDITY RATIO ON BANKING FINANCIAL PERFORMANCE

Abstract

This study aims to examine Financial Technology, Intellectual Capital, Leverage Ratio, Liquidity Ratio to Financial Performance. The data used in this study are secondary data taken from the annual reports of Banking Companies in 2019-2023 listed on the Indonesia Stock Exchange (IDX). The sample consists of 9 companies from 2019-2023 that fall into the research criteria. The data analysis techniques used are descriptive statistical analysis and multiple linear regression analysis. The data analysis process carried out is descriptive statistical test, classical assumption test, multiple linear regression analysis and hypothesis testing. The results of this study indicate that Financial Technology proxied by Mobile Banking has positif effect on financial performance, Intellectual Capital has a positive effect on financial performance, Leverage Ratio has a no signification on financial performance and Liquidity Ratio has positif effect on financial performance.