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Lidya Ramadani
Analisis pengaruh konsentrasi industri perbankan terhadap stabilitas bank di Indonesia periode 2005-2012 = The effect of concentration in banking indutry to banking stability in Indonesia during 2005-2012 period / Lidya Ramadani
"ABSTRAK
Termotivasi dari debat mengenai konsolidasi bank dan prediksi mengenai
hubungan konsentrasi perbankan dan stabilitas bank, penelitian ini
menginvestigasi pengaruh konsentrasi industri perbankan terhadap stabilitas bank
di Indonesia periode 2005-2012. Dengan menggunakan random effect model,
terbukti bahwa konsentrasi industri perbankan berpengaruh negatif dan signifikan
terhadap stabilitas bank. Hasil tersebut sesuai dengan teori concentration-fragility.
Namun, hubungan tersebut ternyata hanya terjadi pada ukuran bank besar dimana
mengindikasikan terdapat perilaku Too-Big-To-Fail (TBTF) pada bank-bank
besar di Indonesia.
ABSTRACT
Motivated by the debate regarding the consolidations of banks and conflicting
predictions about the relationship between bank concentration and banking
stability, this research investigates the effect of concentration in banking industry
towards banking stability in Indonesia during 2005-2012 period. By using random
effect model, it is proven that there is significantly negative effect of
concentration in banking industry to banking stability. Those results are consistent
with the concentration-fragility theory. However, this result only accured on big
banks which indicates the Too-Big-To-Fail (TBTF) behavior on big banks in
Indonesia."
Fakultas Ekonomi dan Bisnis Universitas Indonesia, 2014
S54488
UI - Skripsi Membership  Universitas Indonesia Library
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Tony Tanaka
Pengaruh kekuatan pasar, strategi pendanaan dan pendapatan non-bunga terhadap stabilitas perbankan Indonesia = The impact of market power, funding strategy and non interest income on the Indonesia banking stability
"[ABSTRAK
Stabilitas perbankan penting untuk dijaga karena bisa berpengaruh ke sektor ekonomi lainnya. Yang menjadi fokus utama dalam tesis ini adalah untuk mengetahui bagaimana pengaruh kekuatan pasar bank, strategi pendanaan bank serta pendapatan non-bunga bank terhadap stabilitas bank di Indonesia.
Penelitian ini menggunakan data panel dengan metode pengolahan menggunakan Random Effect untuk menguji pengaruh kekuatan pasar bank, strategi pendanaan bank serta pendapatan non-bunga bank terhadap stabilitas bank di Indonesia. Terdapat 81 data laporan keuangan bank konvensional Indonesia yang digunakan dalam penelitian ini; dimulai dari semester kedua 2004 sampai dengan semester pertama 2014.
Hasil penelitian menunjukkan bahwa kekuatan pasar bank berpengaruh positif dan signifikan pada tingkat 1% terhadap stabilitas bank di Indonesia. Semakin besar kekuatan pasar bank, semakin tinggi stabilitas bank. Semakin besar kekuatan pasar bank maka akan semakin besar nilai suatu bank di pasar. Dengan semakin besarnya nilai tersebut maka bank akan menanggung opportunity cost yang besar bila terjadi kebangkrutan. Oleh karena itu bank akan lebih prudent dalam melakukan kegiatannya. Rasio deposit funding bank berpengaruh positif dan signifikan pada tingkat 1% terhadap stabilitas bank. Sedangkan pendapatan non-bunga bank berpengaruh negatif dan signifikan pada tingkat 10% terhadap stabilitas bank.
ABSTRACT
The banking stability needs to be maintained because it can influence the other economic sector. The main focus of this thesis is to study the impact of market power, funding strategy and non-interest income on the bank stability in Indonesia.
This research use panel data and random effect method to test the impact of market power, funding strategy and non-interest income on the bank stability in Indonesia. The data consist of 81 Indonesia convensional banks. The datas are hand-collected from the bank income statements, started from the second semester of 2004 until the first semester of 2014.
It can be be concluded that market power has a positive and significant impact at level 1% on a bank stability in Indonesia. With a high market power, bank will have a high stability. Bank with a high market market power will be more prudent in doing business because of the high franchise value that the bank has. The bank will have to bear a large opportunity cost when the bank becomes bankrupt. Because of that reason, bank will be more prudent in doing the business. The ratio of deposit funding has a positive and significant impact at level 1% on a bank stability in Indonesia. Non-interest income has a negative dan significant impact at level 10% on a bank stability in Indonesia., The banking stability needs to be maintained because it can influence the other economic sector. The main focus of this thesis is to study the impact of market power, funding strategy and non-interest income on the bank stability in Indonesia.
This research use panel data and random effect method to test the impact of market power, funding strategy and non-interest income on the bank stability in Indonesia. The data consist of 81 Indonesia convensional banks. The datas are hand-collected from the bank income statements, started from the second semester of 2004 until the first semester of 2014.
It can be be concluded that market power has a positive and significant impact at level 1% on a bank stability in Indonesia. With a high market power, bank will have a high stability. Bank with a high market market power will be more prudent in doing business because of the high franchise value that the bank has. The bank will have to bear a large opportunity cost when the bank becomes bankrupt. Because of that reason, bank will be more prudent in doing the business. The ratio of deposit funding has a positive and significant impact at level 1% on a bank stability in Indonesia. Non-interest income has a negative dan significant impact at level 10% on a bank stability in Indonesia.]"
2015
T43284
UI - Tesis Membership  Universitas Indonesia Library
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Yendra Emirsyah Kivatra
Analisis pengaruh persaingan perbankan terhadap stabilitas perbankan di Indonesia periode 2008-2017 = Analysis of banking competition effects on banking stability in Indonesia 2008-2017
"Tujuan dari penelitian ini adalah untuk mengetahui pengaruh tingkat persaingan perbankan terhadap stabilitas perbankan di Indonesia pada periode 2008 sampai dengan 2017. Menggunakan data laporan keuangan 32 bank yang telah terdaftar di Bursa Efek Indonesia, dilakukan metode regresi data panel Pooled Least Square untuk menganalisis hubungan antara persaingan perbankan yang diukur dengan menggunakan Lerner Index, terhadap stabilitas perbankan yang diproksikan oleh Z-Score.
Berdasarkan hasil penelitian, ditemukan bahwa Lerner Index berpengaruh positif signifikan terhadap Z-Score. Penemuan tersebut sejalan dengan teori Competition- Fragility atau Concentration-Stability pada literatur persaingan perbankan. Dengan kata lain, dapat dikatakan apabila industri perbankan di Indonesia semakin terkonsentrasi dan tingkat persaingannya semakin rendah, maka akan menyebabkan stabilitas perbankan menjadi lebih tinggi dan jauh dari risiko kebangkrutan.
The purpose of this study is to determine the effects of banking competition on banking stability in Indonesia in the period of 2008 to 2017. Using 32 financial statements of banks that have been listed on the Indonesia Stock Exchange, Pooled Least Square panel data regression method was conducted to analyze the relationship between banking competition that is measured using the Lerner Index, on the banking stability proxied by the Z-Score.
Based on the results of the study, it was found that the Lerner Index had a significant positive effect on the Z-Score. These findings are in line with the theory of Competition-Fragility or Concentration-Stability in the banking competition literature. In other words, it can be said that if the banking industry in Indonesia is strongly concentrated and the level of competition is low, it will cause banking stability to be higher and far from the risk of bankruptcy."
Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia, 2019
S-Pdf
UI - Skripsi Membership  Universitas Indonesia Library
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Laksmi Ayudyanti
Analisis pengaruh kompetisi bank terhadap stabilitas bank di Indonesia periode 2001-2015 = Analysis of bank competition effect on the bank stability in Indonesia period 2001-2015
"Tujuan dari studi empiris ini ialah untuk menganalisis pengaruh kompetisi terhadap stabilitas bank di Indonesia. Sampel dari penelitian empiris ini ialah 102 bank di Indonesia dalam periode 2001-2015. Hasil dari penelitian ini yaitu 1 Lerner index mempengaruhi stabilitas bank dengan hasil regresi yang positif signifikan, 2 Herfindahl-Hirschman Index mempengaruhi stabilitas bank dengan hasil regresi negatif signifikan, 3 Size mempengaruhi stabilitas bank dengan hasil regresi positif signifikan, 4 Loan Loss Provision LLP mempengaruhi stabilitas bank dengan hasil regresi negatif tidak signifikan, 5 Net Income Margin mempengaruhi stabilitas bank dengan hasil regresi positif signifikan, 6 Growth Domestic Product mempengaruhi stabilitas bank dengan hasil regresi positif tidak signifikan.
The purpose of this empirical study was to analyze the effect of competition on the stability of banks in Indonesia. Samples of this empirical research are 102 banks in Indonesia in the period 2001 2015. The results of this study are 1 Lerner index affects the stability of the bank with the regression results were significantly positive, 2 Herfindahl Hirschman Index affects the stability of the bank with the regression results significantly negative, 3 Size affects the stability of the bank with the regression results significantly positive, 4 Loan Loss Provision LLP affect the stability of the bank with negative regression results are not significant, 5 Net Income Margin affect the stability of the bank with a significant positive regression results, 6 Growth Domestic Product affecting the stability of the bank with a positive regression results are not significant."
Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia, 2017
S66291
UI - Skripsi Membership  Universitas Indonesia Library
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Himawan Arie Wicaksono
Analisis pengaruh kompetisi dan konsentrasi pasar perbankan terhadap X-efficiency bank dari segi biaya pada periode 2005-2014: studi kasus perbankan umum konvensional Indonesia = The impact of banking competition and banking market concentration on the bank cost X-efficiency in the period 2005-2014: a case study of Indonesia banking
"Penelitian ini meneliti pengaruh kompetisi dan konsentrasi pasar perbankan terhadap X-efficiency bank umum konvensional di Indonesia selama periode 2005 sampai dengan 2014 dengan menggunakan Stochastic Frontier Analysis (SFA) one-step regression. Data dalam penelitian ini terdiri dari 102 bank umum konvensional Indonesia selama periode 2005-2014. Hasilnya adalah X-efficiency bank umum konvensional di Indonesia secara rata-rata menurun dari tahun ke tahun selama periode penelitian. Hasilnya, kompetisi memiliki pengaruh negatif terhadap X-efficiency, sedangkan konsentrasi pasar perbankan memiliki pengaruh positif terhadap X-efficiency. Sehingga dapat disimpulkan bahwa semakin tinggi kompetisi perbankan, maka akan membuat X-efficiency bank menjadi menurun. Sebaliknya, semakin tinggi konsentrasi pasar perbankan akan meningkatkan X-efficiency bank. Oleh karena itu, hasil dari penelitian ini mendukung Information Gathering Hypothesis (IGH).
This paper examine the effect of banking competition and banking market concentration on Bank X-efficiency during the period 2005 to 2014 by using one-step regression Stochastic Frontier Analysis (SFA). This paper uses 102 conventional commercial bank Indonesia data during the period 2005-2014. The result is the competition has a negative effect on the X-efficiency, whereas the concentration of the banking market concentration has a positive influence on X-efficiency. So it can be concluded that the higher banking competition will make the X-efficiency of banks decreases. Conversely, the higher the concentration of the banking market will increase the X-efficiency of banks. Therefore, the results of this study support the Information Gathering Hypothesis (IGH)."
Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia, 2016
S66106
UI - Skripsi Membership  Universitas Indonesia Library
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Dessy Ayu Saputri
Analisis pengaruh variabel makro ekonomi terhadap return indeks saham sektor perbankan periode 2002-2011 serta pengaruh karakteristik bank terhadap profitabilitas perusahaan sektor perbankan yang terdaftar di Bursa Efek Indonesia periode 2007-2011 = Influence analysis of macro economics on banking return index during period 2002-2011 and influence of bank specific on profitability of banking sector listed on Indonesian Stock Exchange during period 2007-2011
"Penelitian ini bertujuan untuk melihat apakah terdapat pengaruh antara variabel makro ekonomi yaitu GDP, Inflasi, dan tingkat suku bunga SBI terhadap return indeks saham, ROA rata-rata, dan ROE rata-rata sektor perbankan, serta pengaruh variabel karakteristik bank seperti total aset, rasio CAR, dan rasio manajemen aset terhadap profitabilitas sektor perbankan yang terdaftar di Bursa Efek Indonesia. Uji hipotesis dari penelitian ini menggunakan regresi linear berganda dengan periode observasi triwulan dari tahun 2002-2011 untuk model 1, serta tahunan dari tahun 2007-2011 untuk model 2 terhadap 25 perusahaan sektor perbankan yang terdaftar di Bursa Efek.
Dari hasil penelitian diperoleh kesimpulan bahwa untuk model 1, variabel makro ekonomi secara parsial tidak mempunyai pengaruh signifikan terhadap return indeks saham, namun variabel SBI dan inflasi secara parsial mempunyai pengaruh secara signifikan terhadap pergerakan nilai ROA rata-rata dan ROE rata-rata sektor perbankan, Untuk model 2, hanya variabel total aset secara parsial mempunyai pengaruh signifikan terhadap profitabilitas perusahaan sektor perbankan.
This research aim to prove if there is any effect from the change of macro economic variables, such as GDP, Inflation, and interest rate on banking index return, average ROA and average ROE. And also to prove the change of bank spesific, such as total asset, CAR, and asset management to the profitability of banking sector listed on Indonesian Stock Exchange. Hypothesis of this research is tested using multiple regression linear with quarterly observation periode during year 2002-2011 for model 1, and annually observation period during year 2007-2011 for model 2, towards 25 banking sector listed on Indonesian Stock Exchange.
From the research, we concluded that for model 1, all of these macro economic variables partially does not have a significant effect on banking index return, but SBI and inflation variables does have a significant effect on average ROA and average ROE. For model 2, only total asset variables that partially have a significant effect on profitability of banking sector."
Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia, 2013
T34697
UI - Tesis Membership  Universitas Indonesia Library
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Denisa Putri Ramadhanty
Analisis Pengaruh Faktor Spesifik-Bank terhadap Kinerja Industri Perbankan di Indonesia saat Pandemi COVID-19: Studi pada Bank Konvensional dan Bank Syariah = The Effect of Bank-Specific Factors on Performance of Banking Industry in Indonesia During COVID-19 Pandemic: Case Study on Conventional Banks and Islamic Banks.
"Penelitian ini bertujuan untuk melihat pengaruh faktor spesifik-bank terhadap kinerja bank konvensional dan bank syariah di Indonesia pada saat pandemi Covid-19. Metode penelitian yang digunakan adalah regresi panel data dengan model estimasi fixed effect model atau ordinary least square (OLS). Faktor spesifik-bank yang digunakan dalam penelitian adalah diversifikasi pendapatan, kualitas aset, kapitalisasi, dan efisiensi operasional. Hasil penelitian menemukan bahwa faktor spesifik-bank secara signifikan mempengaruhi kinerja sektor perbankan. Diversifikasi pendapatan, kapitalisasi, kualitas aset, dan efisiensi operasional berpengaruh negatif dan signifikan terhadap bank konvensional. Di sisi lain, kualitas aset berpengaruh negatif dan efisiensi operasional berpengaruh positif terhadap kinerja bank syariah. Diversifikasi pendapatan hanya berpengaruh positif dan signifikan terhadap ROE, namun tidak signifikan mempengaruhi ROA. Sementara, kapitalisasi tidak signifikan mempengaruhi kinerja bank syariah.
This study aims to examine the influence of bank-specific factors on the performance of conventional banks and Islamic banks in Indonesia during the Covid-19 pandemic. The research method used is panel data regression with a fixed effect model or ordinary least square (OLS) estimation model. The bank-specific factors used in the study are income diversification, asset quality, capitalization, and operational efficiency. The results of the study found that bank-specific factors significantly affect the performance of the banking sector. Income diversification, capitalization, asset quality, and operational efficiency have a negative and significant effect on conventional banks. On the other hand, asset quality has a negative effect and operational efficiency has a positive effect on the performance of Islamic banks. Income diversification only has a positive and significant effect on ROE, but does not significantly affect ROA. Meanwhile, capitalization does not significantly affect the performance of Islamic banks."
Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia, 2022
S-pdf
UI - Skripsi Membership  Universitas Indonesia Library
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Sabila Aqlima Izazi
Analisis kompetisi bank umum konvensional dan stabilitas perbankan di Indonesia periode 2004 - 2013 : Sebuah pendekatan struktural dan non struktural = Analysis of conventional bank competition and Indonesian banking stability period 2004 - 2013 : A structural and non structural approach
"Penelitian ini bertujuan untuk menganalisis pengaruh kompetisi bank dengan menggunakan pendekatan struktural dan pendekatan non - struktural terhadap stabilitas perbankan di Indonesia selama periode 2004 - 2013. Teknik estimasi penelitian ini menggunakan fixed effect model dengan menggunakan 107 bank. Hasil penelitian menunjukkan bahwa pengukuran kompetisi menggunakan pendekatan non - struktural memiliki pengaruh positif signifikan terhadap stabilitas perbankan dengan menggunakan pengukuran z-score. Sedangkan pengukuran menggunakan pendekatan struktural menunjukkan kompetisi memiliki pengaruh positif tidak sifnifikan terhadap stabilitas perbankan.
This study aims to determine the impact of bank competition to banking stabilitybased on structural approcah and non - structural approach. Fixed effect model is a method used to examine 107 banks in Indonesia from 2004 -2013. From the study, it concluded that with non - structural approach bank competition signficantly has a positive impact to banking stability while with structural approach the impact is also positive but non significant."
Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia, 2015
S58614
UI - Skripsi Membership  Universitas Indonesia Library
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Alvien Nur Amalia
Analisis Perbandingan Tingkat Stabilitas Keuangan Perbankan Syariah dengan Konvensional di Indonesia (Periode 2011-2013) = Comparative Analysis of the Financial Stability Level between Islamic and Conventional Banking in Indonesia (Period 2011-2013)
"Penelitian ini bertujuan untuk membandingkan tingkat stabilitas perbankan syariah dengan perbankan konvensional di Indonesia dengan menggunakan sampel 11 bank umum syariah dan 11 bank umum konvensional. Data sekunder triwulanan digunakan dalam periode pengamatan mulai tahun 2011-2013 dengan menggunakan regresi data panel. Hasil penelitian menjelaskan bahwa terdapat beberapa faktor, baik dari faktor internal perbankan yang meliputi laba sebelum pajak, rasio kredit terhadap total aset, rasio cadangan kerugian terhadap total pembiayaan, rasio beban operasional terhadap pendapatan opersional dan faktor makro ekonomi yang meliputi tingkat nilai tukar rupiah terhadap USD, BI Rate, dan pertumbuhan GDP berpengaruh signifikan terhadap stabilitas keuangan perbankan syariah dan konvensional dengan kesimpulan akhir bahwa tingkat stabilitas keuangan perbankan syariah masih lebih rendah jika dibandingkan perbankan konvensional.
The purpose of this study was to compare the stability of Islamic and conventional banking in Indonesia by using 11 Islamic banks and 11 conventional banks as samples. The secondary data used in the quarterly observation with beginning period 2011-2013, using panel data regression. The results of the study explained that there are several factors, both internal banks factors consist of banking profit before tax, credits to total assets ratio, the ratio of loss reserves to total financing, the ratio of operating expenses to revenues operational and macroeconomic factors include the level of the exchange rate against the USD BI Rate, and GDP growth are significantly influence the financial stability of Islamic and conventional banking where the conclusion indicate that the level of financial stability of Islamic banking is still lower than conventional banking."
Depok: Program Pascasarjana Universitas Indonesia, 2014
T-Pdf
UI - Tesis Membership  Universitas Indonesia Library
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Wandri Maiyuanda
Analisis pengaruh indikator kinerja keuangan perbankan dan makroekonomi terhadap return on assets pada bank umum konvensional di Indonesia pada tahun 2006-2015 = Analysis of effect banking and financial performance indicators and macroeconomic against return on assets in conventional commercial bank in Indonesia period 2006- 2015
"ABSTRAK
Penelitian ini bertujuan untuk menganalisis faktor determinan apa saja yang mempengaruhi perubahan Return On assets perbankan umum konvensional yang terdaftar di Bank Indonesia periode tahun 2006 hingga 2015. Sampeldalam penelitian ini seluruhnya berjumlah 102 perusahaan. Penelitian ini mengunakan random effect model yang diolah dalam program eviews 8. Dalam penelitian ini ditemukan bahwa variabel non performing loan , capital adequacy ratio dan total assets mempengaruhi perubahan return on assets secara posit if kecuali non performing loan yang mempengaruhi secara negatif. Sedangkan untuk perubahan dana pihak ketiga , produk domestic bruto dan tingkat suku bunga kredit perbankan tidak terlalu berpengaruh positif.
ABSTRACT
This study aims to analyze the determinants that influence changes in return on assets conventional commercial banks registered in Bank Indonesia period 2006 to 2015. The sample in this study totaled 102 companies. This study uses a random effect model that is processed in the program eviews 8. In this study it was found that the variables of non-performing loans, capital adequacy ratio and total assets affect change in a positive return on assets except non-performing loans which affect negatively. As for changes in third party funds, gross domestic product and the level of bank lending rates does not significantly positive.;"
2016
S64675
UI - Skripsi Membership  Universitas Indonesia Library
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