Analisis Dampak Pemenuhan Modal Inti Minimum terhadap Struktur Modal dan Implikasinya pada Kinerja Keuangan Perbankan yang terdaftar di Bursa Efek Indonesia Tahun 2021-2025

Linawati, Linawati (2026) Analisis Dampak Pemenuhan Modal Inti Minimum terhadap Struktur Modal dan Implikasinya pada Kinerja Keuangan Perbankan yang terdaftar di Bursa Efek Indonesia Tahun 2021-2025. Sarjana (S1) thesis, STIE Tri Bhakti.

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Abstract

Purpose - This study aims to obtain empirical evidence regarding the effect of including minimum core capital in the capital structure and its implementation on the financial performance of digital banks listed on the Indonesia Stock Exchange for the 2021-2025 period. Design/Methodology Approach - This study uses a quantitative approach with secondary data obtained from the quarterly financial reports of digital banks listed on the Indonesia Stock Exchange for the 2021-2025 period. The study population consisted of eight digital banks. The sampling technique used purposive sampling, resulting in 160 observations. The analytical method used to test the hypotheses was Partial Least Squares-Structural Equation Modeling (PLS-SEM) using SmartPLS3 software. Findings - The results show that the provision of minimum core capital does not significantly affect financial performance. Meeting minimum core capital has a negative and significant effect on capital structure. Capital structure has a negative and significant effect on financial performance and is proven to fully mediate the effect of providing minimum core capital on financial performance. Research Limitations/Implications – This research is expected to contribute to bank management in optimizing capital management and funding structures, and serve as a reference for investors and future researchers. Originality/Value – This research is novel in that it positions capital structure as a mediating variable in the relationship between minimum core capital requirements and the financial performance of digital banks listed on the Indonesia Stock Exchange for the 2021-2025 period. Therefore, this research provides an understanding that the effect of minimum core capital requirements on financial performance is not direct, but rather through capital structure.

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