@thesis{thesis,
		author={Julio  Fransiscus},
		title ={Analisis Pengaruh Kerjasama Dengan Fintech Pada Kinerja Perbankan Masa Pandemi Covid-19},
		year={2022},
		url={http://eprints.ukmc.ac.id/7106/},
		abstract={This study aims to determine whether there is a significant difference between ROA, NIM, and BOPO at banks that have collaborated and at banks that have not collaborated with fintech during the pandemic. covid-19 The data used is secondary data. The population used in this study were 46 companies listed on the Indonesia Stock Exchange. The sampling technique used purposive sampling method and obtained a sample of 18 banks that have collaborated with fintech and 26 banks that have not collaborated with fintech. Hypothesis testing is done by using the Independent Sample T-Test. The results of this study indicate that ROA and NIM have a significant effect on banks that have collaborated and on banks that have not collaborated with fintech during the covid-19 pandemic. Meanwhile, BOPO have no significant effect on banks that have collaborated and on banks that have not collaborated with fintech during the covid-19 pandemic.

Keywords: Fintech, ROA, NIM, BOPO}
		}