文章基本信息

标题：The Effect of Electronic Payment Systems on Financial Performance of Microfinance Banks in Niger State
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作者：Musa Abdullahi Sakanko ; Joseph David
期刊名称：Esensi: Jurnal Bisnis dan Manajemen
印刷版ISSN：2087-2038
电子版ISSN：2461-1182
出版年度：2019
卷号：9
期号：2
页码：143-154
DOI：10.15408/ess.v9i2.12273
语种：English
出版社：Universitas Islam Negeri Syarif Hidayatullah Jakarta
摘要：This study employs the cross sectional survey research design and the descriptive and ordinary least square regressions to examine the impact of Electronic-Payment Systems on the financial performance of Microfinance Banks and Institutions in Niger state,Nigeria.The results of the analysis indicate the presence of e-payment systems in the bank,which enjoys impressive acceptability,due to its ease of use and convenience.In addition,ATM facility,Internet payment options,e-payment cards,and mobile banking platforms shows a significant positive impact on the financial performance of COE-Minna microfinance bank.In essence,the improvement and review of e-payment platforms’ security,so as to attract more users,coupled with the reduction of charges associated with the use of the platforms as well as sensitization of potential users were recommended.
其他摘要：Studi ini menggunakan desain penelitian survei cross sectional dan regresi deskriptif,serta regresi OLS untuk menguji dampak Sistem Pembayaran Elektronik terhadap kinerja keuangan Bank dan Lembaga Keuangan Mikro di negara bagian Niger,Nigeria.Hasil analisis menunjukkan adanya sistem pembayaran elektronik di bank,yang menikmati penerimaan yang mengesankan,karena kemudahan penggunaan dan kemudahannya.Selain itu,fasilitas ATM,opsi pembayaran Internet,kartu pembayaran elektronik,dan platform mobile banking menunjukkan dampak positif yang signifikan terhadap kinerja keuangan bank mikro COE-Minna.Intinya,perbaikan dan peninjauan keamanan platform pembayaran elektronik,sehingga menarik lebih banyak pengguna,ditambah dengan pengurangan biaya yang terkait dengan penggunaan platform serta sensitivitas pengguna potensial direkomendasikan.
关键词：e-payment systems;financial performance;microfinance banks
其他关键词：sistem pembayaran elektronik;kinerja keuangan;bank keuangan mikro