The country's unstable economic condition due to the COVID-19 pandemic has a major impact on economic growth. The condition of the company is experiencing liquidity pressure which can result in default. This study is a quantitative study to determine the effect of financial performance in banking companies. This study uses a sample of commercial banks listed on the Indonesia Stock Exchange (IDX) before the COVID-19 pandemic occurred in the 2019 quarter period and the COVID-19 pandemic period in the 2020 quarter. The sampling technique used purposive sampling with certain criteria. The analysis technique using regression analysis was carried out with the classical assumption test. Based on the results of the analysis found that TPF has a positive and significant effect on Return on Assets (ROA), NPL has a negative and significant effect on Return on Assets (ROA), LDR has a positive effect on Return on Assets (ROA), CAR has a positive effect on Return on Assets ( ROA), and NIM have a positive and significant effect on Return on Assets (ROA). The contribution of this research is to determine the impact of the COVID-19 pandemic on the banking industry, which serves as an intermediary function between recipients and distributors of fundsKeyword : CAR, DPK, NIM, NPL, Covid-19 Pandemic, ROA

Teknologi informasi semakin berkembang pesat dari tahun ke tahun, seiring dengan pekembangan kebutuhan masyarakat akan kemudahan. Perkembangan teknologi informasi berdampak pada setiap individu maupun organisasi dalam menjalankan transaksi yang dilakukan. Penelitian ini merupakan penelitian kuantitatif untuk mengetahui pengaruh penggunaan financial technology terhadap perilaku konsumtif masyarakat. Data dalam penelitian ini didapatkan dengan menyebarkan kuesioner kepada seluruh civitas akademik universitas harapan bangsa purwokerto. Teknik pengambilan sampel dengan menggunakan purposive sampling dengan kriteria tertentu. Teknik analisis menggunakan analisis regresi dilakukan dengan uji asumsi klasik. Berdasarkan hipotesis menunjukkan bahwa terdapat pengaruh kualitas layanan OVO dan Gopay terhadap perilaku konsumtif, terdapat Pengaruh Persepsi kemudahan penggunaan OVO dan Gopay terhadap perilaku konsumtif, terdapat pengaruh Persepsi Manfaat penggunaan OVO dan Gopay terhadap perilaku konsumtif, dan terdapat pengaruh Kepercayaan pada OVO dan Gopay terhadap perilaku konsumtif. Keyword : Financial Technology, Kepercayaan, Perilaku Konsumtif, Kualitas Layanan, Persepsi Kemudahan, Persepsi Manfaat

The emergence of changes in the technology industry makes developments in several related industries. One of them is in finance. The rapid development of financial technology creates a new era in society. Ease of transaction and investment by prioritizing digital technology. Collaboration between finance and technology that makes transactions more time efficient. People’s ignorance of current technological developments certainly leaves a bad impression on how the technology is implemented. All forms of adaption are neede, especially if there are regulations needed. Thus empowerment is one way in an effort to be able to help increasse understanding of financial literacy in supporting a digital technology-minded society. Increasing the capacity of human resources will make sustainable development that can increase the level of business development better. In this case, we strive to do community service by providing knowledge and training for the millenial generation.

Abstrak Penelitian ini merupakan penelitian kuantitatif untuk mengetahui pengaruh faktor internal perusahaan perbankan. Penelitian dengan judul : “Faktor Internal yang Mempengaruhi Kinerja Keuangan pada Perusahaan Perbankan”. Sampel dalam penelitian ini adalah 36 bank umum yang terdaftar di Bursa Efek Indonesia (BEI) selama periode tahun 2016-2019 dengan pengampilan sampel menggunakan purposive sampling dengan kriteri-kriteria tertentu. Teknik analisis data yang digunakan dalam penelitian ini adalah analisis regresi linier berganda. Berdasarkan hasil analisis ditemukan bahwa Dana Pihak Ketiga (DPK) berpengaruh positif terhadap Return on assets (ROA), Non Performing Loan (NPL) berpengaruh negatif dan signifikan terhadap Return on Assets (ROA), dan Loan to Deposit Ratio (LDR) berpengaruh positif terhadap Return on Assets (ROA). Keyword : Dana Pihak Ketiga, NPL, LDR, ROA