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August 11, 2025

A Comparative Study of the Financial Performance of Rural Banks (BPR) in Bali Province Before and After the Emergence of Financial Technology (Fintech)

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Authors

DWDesak Ayu WedayaniIPIda Bagus Anom Purbawangsa

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Overview

Comparative analysis reveals increased financial performance in rural banks after fintech adoption, highlighting strategic importance.

Key Points

  • Rural banks experienced improved financial performance metrics after adopting fintech services, enhancing competitiveness.
  • The Capital Adequacy Ratio and Return on Assets increased significantly post-fintech implementation, while the Loan to Deposit Ratio decreased.
  • Data were analyzed using the Wilcoxon signed-rank test to ascertain significant changes in financial metrics over time.
  • Findings reinforce Schumpeter’s theory, indicating that fintech can drive innovation and improve economic systems overall.

Cite This Study

Wedayani et al. (2025) studied this question.

synapsesocial.com/papers/68a360e00a429f79733292d8https://doi.org/10.70062/harmonieconomics.v2i3.299
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