Pengaruh Disrupsi Teknologi Terhadap Beban Biaya SDM Perbankan

Abstract

This study aims to determine whether technological disruption (tech), with control variables, namely bank size (size), banking performance (return on assets/ROA), non-performing loan (NPL), and dummy covid-19, both partially and simultaneously have an influence on the burden of human resource costs (HR) of go-public banks in Indonesia. This study uses descriptive quantitative research with panel data regression models. There are 47 go-public banking institutions in Indonesia which are the population in this study. The sample selection in this study was carried out using purposive sampling method, so that 27 banking institutions were selected that met the criteria according to what the researchers set. This study uses secondary data in the form of annual financial publication reports of each bank. The results obtained show that the independent variable technology disruption (tech) has a significant positive effect on the dependent variable of HR cost burden, the control variable bank size (size) has a significant positive effect on the dependent variable of HR cost burden, the control variable return on assets (ROA) has a negative and insignificant effect on the dependent variable of HR cost burden, the control variable non-performing loan (NPL) has a significant positive effect on the dependent variable of HR cost burden, and the covid-19 dummy control variable has a significant negative effect on the dependent variable of HR cost burden.