[ABSTRAK
Data perbankan menunjukkan bahwa trend perbankan di Indonesia mulai melihatpendapatan pendapatan selain bunga, khususnya fee based income. Hal inimembawa konsekuensi apakah akan menambah jumlah pendapatan bank secaratotal dan mengurangi risiko rentabilitas dengan semakin beragamnya jeniskeuntungan, yang memerlukan kajian mendalam. Penelitian ini bertujuan untukmenganalisis pengaruh pendapatan selain bunga, khususnya fee based incometerhadap risiko rentabilitas bank umum konvensional di Indonesia. Objekpenelitian adalah seluruh bank umum konvensional yang dikelompokanberdasarkan kepemilikan atas dasar pengelompokan yang dilakukan oleh BankIndonesia dengan dibagi menjadi tiga periodisasi data, yaitu sebelum krisiskeuangan tahun 2004-2006, saat terjadinya krisis keuangan global tahun 2007-2009, dan pasca krisis keuangan tahun 2010-2013. Faktor-faktor yang diujipengaruhnya adalah fee based income, pendapatan selain bunga, standar deviasiReturn On Asset, standar deviasi Return on Equity dan standar deviasi BiayaOperasional/Pendapatan Operasional. Penelitian dilakukan dengan menggunakanmodel panel heterogen dan metode regresi linier berganda, menggunakan datatime series secara bulanan selama periode 10 (sepuluh) tahun yaitu tahun 2004 ?2013. Uji regresi menunjukan pengaruh fee based income dan pendapatan selainbunga terhadap risiko rentabilitas berbeda-beda untuk masing-masing kelompokbank dan periode waktu yang berbeda. Alternatif pendapatan selain bunga sepertifee based income, pada saat krisis, hanya kelompok Bank Campuran dan BPDyang berpengaruh signifikan menekan risiko rentabilitas. Dengan demikianselama krisis, kelompok Bank Asing, Bank Persero dan BUSN Devisa yangdominan kontribusi fee based-nya, ternyata tidak berkontribusi mengurangi risikorentabilitas. Adapun pada BUSN Non Devisa juga menunjukkan hasil ujihipotesis ditolak.

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ABSTRACT
Banking data shows that the trend of banking in Indonesia began to look into noninterest income rather than interest income, especially fee-based income. Thismay result in an increase of banks? total revenue and decrease of rentability riskdue to various type of profit, which require in-depth review. This research wasaimed at studying the influence of non-interest income, in particular fee basedincome, toward the rentability risk conventional bank in Indonesia. The researchobject were all commercial conventional banks, classified based on ownership asper Bank Indonesia classification, and divided into 3 (three) data periods, namelyprior to financial crises (2004-2006), during the financial crises (2007-2009), andpost financial crises (2010-2013). The factors that were being examined are feebasedincome, non-interest income, standard deviation of Return on Asset,standard deviation of Return on Equity, and standard deviation of OperationalCost/Operational Revenue. The estimation model was conducted usingheterogeneous panel and mulitple regression analysis, and the date that were beingutilised are monthly time series data for the period of last ten years (2004-2013).Regression test showed that the influence of increases in fee based income andnon-interest income was different for each category of banks within different timeperiods. During the crises, non-interest income alternatives, such as fee-basedincome, only significant in reducing rentability risks on regional banks and banksowned jointly by foreign and domestic parties. Thus, during the period of crises,banks whose fee-based income was dominant, such as foreign-owned banks,government-owned banks and banks conducting foreign-exchange activities, didnot experience reduced rentability risk. As for the banks that did not conductforeign exchange activities, the results of the hypothesis testing is rejected.;Banking data shows that the trend of banking in Indonesia began to look into noninterest income rather than interest income, especially fee-based income. Thismay result in an increase of banks? total revenue and decrease of rentability riskdue to various type of profit, which require in-depth review. This research wasaimed at studying the influence of non-interest income, in particular fee basedincome, toward the rentability risk conventional bank in Indonesia. The researchobject were all commercial conventional banks, classified based on ownership asper Bank Indonesia classification, and divided into 3 (three) data periods, namelyprior to financial crises (2004-2006), during the financial crises (2007-2009), andpost financial crises (2010-2013). The factors that were being examined are feebasedincome, non-interest income, standard deviation of Return on Asset,standard deviation of Return on Equity, and standard deviation of OperationalCost/Operational Revenue. The estimation model was conducted usingheterogeneous panel and mulitple regression analysis, and the date that were beingutilised are monthly time series data for the period of last ten years (2004-2013).Regression test showed that the influence of increases in fee based income andnon-interest income was different for each category of banks within different timeperiods. During the crises, non-interest income alternatives, such as fee-basedincome, only significant in reducing rentability risks on regional banks and banksowned jointly by foreign and domestic parties. Thus, during the period of crises,banks whose fee-based income was dominant, such as foreign-owned banks,government-owned banks and banks conducting foreign-exchange activities, didnot experience reduced rentability risk. As for the banks that did not conductforeign exchange activities, the results of the hypothesis testing is rejected, Banking data shows that the trend of banking in Indonesia began to look into noninterest income rather than interest income, especially fee-based income. Thismay result in an increase of banks? total revenue and decrease of rentability riskdue to various type of profit, which require in-depth review. This research wasaimed at studying the influence of non-interest income, in particular fee basedincome, toward the rentability risk conventional bank in Indonesia. The researchobject were all commercial conventional banks, classified based on ownership asper Bank Indonesia classification, and divided into 3 (three) data periods, namelyprior to financial crises (2004-2006), during the financial crises (2007-2009), andpost financial crises (2010-2013). The factors that were being examined are feebasedincome, non-interest income, standard deviation of Return on Asset,standard deviation of Return on Equity, and standard deviation of OperationalCost/Operational Revenue. The estimation model was conducted usingheterogeneous panel and mulitple regression analysis, and the date that were beingutilised are monthly time series data for the period of last ten years (2004-2013).Regression test showed that the influence of increases in fee based income andnon-interest income was different for each category of banks within different timeperiods. During the crises, non-interest income alternatives, such as fee-basedincome, only significant in reducing rentability risks on regional banks and banksowned jointly by foreign and domestic parties. Thus, during the period of crises,banks whose fee-based income was dominant, such as foreign-owned banks,government-owned banks and banks conducting foreign-exchange activities, didnot experience reduced rentability risk. As for the banks that did not conductforeign exchange activities, the results of the hypothesis testing is rejected]