ABSTRACT
Although risk oversight committee has been mandatory for Indonesian banking industry since 2006, there has never been any inquiry trying to understand how the characteristics of risk oversight committee members may impact their tolerance towards bank management risk taking. Specifically, this research is aimed to shades light on how young age, female, and risk management experience characteristics of each members affect their inclination towards accommodating bank risk taking. The study uses panel data random effect regression for unique dataset of 27 banks from 2012 2016 and find that contrary to popular belief, increasing number of younger member reduce accommodation to bank risk taking. Moreover, increasing female members composition is proven to rise bank risk taking. These results are different with increasing proportion of risk management experienced committee members as they are proven to have no significant effect towards bank risk taking behavior. Additionally, sensitivity tests conducted using average age as young indicator and loosening risk management experience criteria by including previous risk oversight committee experience prove that these characteristics are not impacting bank risk taking. However, presence of female members in risk oversight committee have significant impact on improving accommodation to bank risk taking.

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ABSTRACT
Walaupun komite pemantau risiko diwajibkan untuk industri perbankan Indonesia sejak 2006, belum pernah terdapat studi yang mencoba mengerti bagaimana karakteristik yang dimiliki oleh anggota komite pemantau risiko berpengaruh terhadap toleransi pengambilan risiko yang dilakukan oleb manajemen. Secara spesifik, studi ini ditujukan untuk menjelaskan bagaimana anggota muda, wanita, dan pengalaman manajemen risiko setiap anggota mempengaruhi keputusan komite terkait pengambilan risiko. Studi ini menggunakan analisis data panel dengan random effect pada 27 bank dari 2012 hingga 2016. Riset menemukan bahwa peningkatan anggota muda menurunkan akomodasi terhadap pengambilan risiko perbankan dan peningkatan komposisi anggota wanita meningkatkan akomodasi komite terhadap pengambilan risiko bank. Di sisi lain, pengalaman manajemen risiko terbukti tidak memliki efek signifikan pada pengambilan risiko. Studi ini juga melakukan analisis tambahan dimana diketahui bahwa menggunakan rata-rata umur sebagai indikator muda serta memasukkan karir anggota komite pemantau risiko bank ke dalam indikator pengalaman tidak mempengaruhi hubungan komite pada pengambilan risiko bank. Walaupun demikian, keberadaan anggota wanita ditemukan memiliki pengaruh positif terhadap akomodasi komite terhadap pengambilan risiko bank.