Analysis of the influence of fintech cooperation, bank performance variables (car, cr, ldr, roa, bopo) and bank size on bpr risk taking
Keywords:
Fintech, Bank Performance, Bank Size, Risk, BPRAbstract
This study aims to analyze the effect of cooperation with financial technology (fintech) companies, bank performance variables consisting of Capital Adequacy Ratio (CAR), Current Ratio (CR), Loan to Deposit Ratio (LDR), Return on Assets (ROA), Operating Costs to Operating Income (BOPO), and bank size on risk taking at Rural Credit Banks (BPR) in Banten Province. A quantitative approach is used in this study with a multiple linear regression method to test the relationship between variables. The data used are secondary data obtained from BPR financial reports and fintech cooperation reports for a certain period. The results of the study indicate that fintech cooperation and several bank performance indicators have a significant effect on BPR risk taking. Simultaneously, all independent variables contribute to explaining variations in risk taking. These findings provide important implications for BPR management in managing financial risk, especially in the context of collaboration with fintech and increasing operational efficiency.
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