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"ABSTRAKSkripsi ini membahas pengaruh kehadiran bank asing terhadap bank domestik diIndonesia dari tahun 2000 hingga 2014 dengan mengeluarkan periode krisis tahun2007 dan 2008. Penelitian ini berfokus pada mengevaluasi pengaruh kehadiranbank asing (foreign share) terhadap profitabilitas (ROA) dan efisiensi (overheaddan BOPO) bank domestik. Hasil temuan dari penelitian ini memberikan buktikuat bahwa kehadiran bank asing di Indonesia menimbulkan competition effectyang dominan mengarah pada pengurangan profitabilitas bank domestik danpeningkatan efisiensi bank domestik. Penetrasi bank asing memberikan tekananpersaingan bagi bank domestik sehingga bank asing dapat berfungsi sebagaikekuatan kompetitif yang efektif yang mengurangi kelebihan keuntungan (excessprofit) yang diperoleh oleh bank domestik dan memacu bank domestik untukmemperbarui teknologi dan teknik untuk meningkatkan efisiensi biayanya.

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ABSTRACTThis study examines the effect of foreign bank presence to Indonesian domesticbanks period 2000-2014. This study is focused in evaluating the effect of foreignbank presence (foreign share) to profitability (ROA) and efficiency (overhead andBOPO) of domestic banks. The findings provide strong evidence that foreign bankpresence in Indonesia has competition effect on dominance which lead toreduction in profitability and increase in efficiency of domestic banks. Foreignbank?s penetration seem to exert competitive pressure to domestic banks, implythat foreign banks may serve as an effective competitive force, reducing theexcess profits earned by domestic banks and compelling domestic banks to updatetheir production technologies and techniques to improve their cost efficiency."

"Penelitian sebelumnya yang membahas mengenai permasalahan sejenis masih sangat terbatas dan berfokus pada pengaruhnya terhadap kinerja bank domestik. Penelitian ini meneliti pengaruh kehadiran bank asing terhadap tingkat kemakmuran dengan studi kasus Indonesia. Penelitian ini juga melihat perbandingan risiko portofolio pinjaman bank asing dan domestik, dengan mengacu pada cream-skimming theory. Data yang digunakan adalah data bank umum konvensional selama periode 2002-2011. Dengan menggunakan Fixed Effect Model dan Random Effect Model, didapat hasil bahwa kehadiran bank asing memiliki hubungan positif dengan tingkat kemakmuran. Bank asing juga memiliki risiko portofolio pinjaman yang lebih rendah dibandingkan bank domestik.

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The previous researches about this topic are still in limited amount and focusing on its impact on domestic banks performances. This research examines the impact of foreign bank presence on welfare with Indonesia as the case study. This research also compares the credit portfolio risk between foreign and domestic bank, regarding on cream-skimming theory. Data used here are conventional bank data within period 2002-2011. Using Fixed Effect Model and Random Effect Model, foreign bank presence has positive impact on welfare. Besides, foreign bank also has lower credit portfolio risk compared to domestic bank."

"ABSTRAKFenomena terus meningkatnya jumlah bank asing di Indonesia menimbulkan pertanyaan apakah kepemilikan menjadi salah satu faktor yang dapat memengaruhi performa bank yang diukur menggunakan tingkat profitabilitas. Dengan menambahkan peristiwa krisis sebagai salah satu variabel, penelitian ini bertujuan mengetahui pengaruh kepemilikan terhadap profitabilitas perbankan pada sebelum, saat, dan setelah krisis keuangan global menggunakan sampel 88 bank konvensioal yang beroperasi di Indonesia periode 2004-2014. Kepemilikan bank dikelompokkan menjadi kepemilikan domestik dan asing. Penelitian ini juga meneliti pengaruh krisis keuangan global terhadap profitabilitas bank. Penelitian menggunakan data panel dengan pendekatan fixed effect. Hasil dari penelitian ini adalah kepemilikan tidak memengaruhi profitabilitas pada sebelum, saat, dan setelah krisis keuangan global yang diukur menggunakan proksi ROA dan NIM. Sementara krisis keuangan global memiliki pengaruh signifikan negatif yang lebih besar terhadap bank asing daripada bank domestik diukur menggunakan ROA. NIM bank domestik dan bank asing dipengaruhi signifikan positif oleh krisis keuangan global.

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ABSTRACTThe increase of number of foreign bank in Indonesia raises the question whether ownership is one of the factors that can affect bank performance as measured using profitability levels. By adding global financial crisis as one of the variables, this study aims to examine the effect of ownership on the profitability of conventional bank before, during, and after global financial crisis using 88 banks operated in Indonesia for the period 2004 2014. Banks ownership classify into domestic and foreign bank. This study also examines the effect of global financial crisis on the banks profitability. The study uses fixed effect panel data as the method of estimation. This study finds that ownership does not effect bank rsquo s profitability before, during, and after global financial crisis calculated by ROA and NIM. Global financial crisis effect profitability of domestic and foreign bank negatively significant. While NIM, both domestic and foreign bank, effected by global financial crisis positively significant."

"Sejak krisis keuangan Asia tahun 1997 dan 1998, banyak negara di dunia mengalami liberalisasi dan globalisasi perbankan, termasuk negara berkembang seperti Indonesia. Dengan menggunakan data 100 bank komersial di Indonesia dengan periode 2009-2014, penelitian ini berusaha mengidentifikasi pengaruh kepemilikan asing terhadap NIM, profit akuntansi, aktivitas non-pinjaman, dan risiko bank. Peningkatan kepemilikan asing terbukti berpengaruh negatif terhadap NIM bank-bank di Indonesia. Tidak sesuai dengan hipotesis, kepemilikan asing tidak memiliki pengaruh signifikan terhadap profit akuntansi, aktivitas non-pinjaman dan risiko bank di Indonesia.

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Since the aftermath of Asian financial crisis on 1997 and 1998, many countries are experiencing liberalization and globalization of banking, including developing countries such as Indonesia. Using the data of 100 commercial banks in Indonesia for the period 2009 2014, this study tries to identify the impact of foreign ownership towards net interest margin, accounting profits, non lending activities, and bank risk. The increase of foreign ownership is proven to negatively impacts the net interest margin of banks in Indonesia. Contrary to hypothesis, foreign ownership does not has significant impact on accounting profit, non lending activities and risk of banks in Indonesia. "

"Kelompok kepemilikan bank dan masuknya pihak asing pada sistem perbankan di suatu negara merupakan hal yang sangat menarik untuk diteliti. Penelitian ini bertujuan untuk menangkap perbedaan antara kelompok kepemilikan bank seperti yag di definisikan oleh Bank Indonesia pada kelompok bank persero, bank campuran dan bank asing dalam hal prilaku kehati-hatian dan tingkat profitabilitas yang dihasilkan oleh kelompok bank tersebut pada periode 2002-2011. Dengan menggunakan model berupa pooled least square dummy varible, penulis ingin menangkap setiap hubungan yang terjadi antar variable yang digunakan dalam penelitian dan ditemukan adanya perbedaan antar kelompok bank dalam hal tingkat kehati-hatian dan profitabilitas, dan juga ditemukan adanya trade off diantara kedua hal tersebut.

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Bank ownership and the effect of foreign interference into the banking system within the country is a very interesting topic for empirical study. This research examines the effect of bank ownership on prudential behavior and profitability on Indonesian state owned, joint venture and foreign bank in 2002-2011 period. The categorization of bank follows Indonesian central bank definition. Using estimation model of pooled least square dummy variable, the writer aims to capture specific relationship between each variable used in the study. The study found a significant effect on bank ownership towards its prudential behavior and profitability. It is also found a trade-off between those two indicators."

"Penelitian ini bertujuan untuk mengetahui pengaruh dari kesehatan bank dan kondisi makroekonomi terhadap profitabilitas (yang diukur dengan ROA) bank domestik, bank campuran dan bank asing di Indonesia, perbedaan signifikan dari profitabilitas dan perbedaan signifikan dari faktor determinan. Variabel yang digunakan adalah ROA, risiko kredit, risiko operasional, GCG, BOPO, CAR, PDB dan inflasi. Di dalam penelitian ini, dijelaskan bahwa terdapat perbedaan faktor determinan profitabilitas dan perbedaan yang signifikan dari ROA antara bank domestik, bank campuran dan bank asing di Indonesia. Perbedaan faktor determinan yang signifikan terlihat pada determinan GCG, BOPO dan CAR. Meskipun demikian, terdapat kemiripan faktor determinan profitabilitas antara bank domestik dan bank campuran. Hasil dari penelitian ini menjelaskan bahwa risiko kredit, risiko operasional, GCG, BOPO, PDB dan inflasi berpengaruh negatif dan signifikan terhadap ROA bank domestik. Sedangkan untuk bank campuran, semua faktor determinan berpengaruh signifikan terhadap ROA. Risiko kredit, risiko operasional, GCG, BOPO, PDB dan inflasi memiliki pengaruh negatif, sedangkan CAR berpengaruh positif terhadap ROA. Untuk bank asing faktor determinan yang berpengaruh negatif dan signifikan terhadap ROA adalah risiko kredit dan risiko operasional, dan yang berpengaruh positif dan signifikan adalah CAR.

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This research aims to reveal the influence of bank soundness and macroeconomic conditions on the profitability (measured by ROA) of domestic, mix-owned and foreign commercial banks in Indonesia, significant different on the ROA, and significant different on the determinant factors of profitability. Determinant factors tested in this research are, credit risk, operational risk, GCG, BOPO, CAR, GDP and inflation.

In this study, there are significant different on the determinant factors of profitability and significant different on the ROA of domestic banks, mix-owned banks and foreign banks in Indonesia. Significant different of the determinant factors are appear on GCG, BOPO and CAR. Nevertheless, there are some similarities between the determinant factors of profitability of domestic banks and mix-owned banks.

Also, the results of this study explain that credit risk, operational risk, GCG, BOPO, GDP and inflation negatively significant influence the ROA of domestic banks. As for the mix-owned banks, all determinant factors have significant influence on the ROA. Credit risk, operational risk, GCG, BOPO, GDP and inflation are negatively significant influence the ROA, while the CAR positively significant influences the ROA. For the foreign banks, determinant factors that negatively significant influences the ROA are credit risk and operational risk, and the positive significant influence is only for the CAR."

"Penelitian ini bertujuan untuk mengetahui pengaruh risiko kredit, risiko likuiditas, modal bank, dan efisiensi biaya terhadap profitabilitas bank di ASEAN 5 yang terdiri dari Indonesia, Malaysia, Filipina, Thailand, dan Vietnam. Profitabilitas bank diukur menggunakan return on average assets (ROAA), return on average equity (ROAE), dan net interest margin (NIM). Adapun sampel dari penelitian ini sebanyak 47 bank di ASEAN 5 pada periode pengamatan selama 10 tahun (2010-2019). Peneliti menggunakan metode two-step system generalized method of moment (GMM) dalam mengestimasi secara empiris variabel penelitian. Hasil penelitian ini menunjukkan bahwa secara bersamaan variabel independen, variabel kontrol, dan variabel makroekonomi berpengaruh signifikan terhadap profitabilitas bank. Variabel risiko kredit dan efisiensi biaya memiliki pengaruh negatif dan signifikan terhadap profitabilitas bank. Sedangkan variabel risiko likuiditas dan modal bank memiliki pengaruh positif dan signifikan terhadap profitabilitas.

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This study aims to determine the effect of credit risk, liquidity risk, bank capital, and cost efficiency on the profitability of banks in ASEAN 5 consists of Indonesia, Malaysia, the Philippines, Thailand, and Vietnam. Bank profitability is measured using return on average assets (ROAA), return on average equity (ROAE), and net interest margin (NIM). The sample from this study was 47 banks in ASEAN 5 during the 10-year observation period (2010-2019). The researcher uses the two-step system generalized method of moment (GMM) method in estimating the research variables empirically. The results of this study indicate that simultaneously independent variables, control variables, and macroeconomic variables have a significant effect on bank profitability. The credit risk and cost efficiency variables have a negative and significant impact on bank profitability. Meanwhile, liquidity risk and bank capital variables have a positive and significant impact on bank profitability."

"Penelitian ini membahas pengaruh struktur pasar dan pengambilan risiko terhadap efisiensi Bank Umum Konvensional periode 2011-2015 dengan menggunakan metode panel data. Penelitian dilakukan pada ages 107-109keseluruhan bank dengan beradasar kepemilikan seperti Bank Pembangunan Daerah, Bank Persero, Bank Asing, Bank Campuran dan Bank Swasta Nasional. guna mengetahui apakah terdapat pengaruh struktur pasar dan pengambilan risiko terhadap efisiensi. Hasil penelitian menunjukkan adanya pengaruh negatif signifikan antara struktur pasar terhadap efisiensi bank. Pengaruh positif signifikan antara risiko modal terhadap efisiensi bank. Pengaruh negatif signifikan risiko kredit terhadap efisiensi bank.

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This study discusses the effect of market structure and risk taking to the efficiency of conventional commercial bank the period 2011 2015 by using panel data. The study was conducted on a whole bank with based on ownership as the Regional Development Banks, State Owned Banks, Foreign Banks, Joint Venture Banks and National Private Banks to determine whether there is influence market structure and risk taking to efficiency. Results showed market structure has a significant negative effect on the efficiency of the bank. Capital risk has a significant positive effect on the efficiency of the bank. Credit risk has a significant negative effect on the efficiency of the bank."

"[Penelitian ini menguji pengaruh konsentrasi portofolio kredit bank terhadap profitabilitas efisiensi dan risiko kredit bank yang masing masing menggunakan proksi ROA BOPO serta NPL dan LLP selama periode 2010-2014. Penelitian ini menggunakan rasio Herfindahl Hirshmann Index HHI dan Absolute Distance Measure AD sebagai proksi konsentrasi kredit. Dengan menggunakan metode Fixed Effect Model dan sampel sebanyak 29 bank umum konvensional selama 5 periode ditemukan bahwa konsentrasi portofolio kredit berpengaruh signifikasn positif terhadap ROA bank dan berpengaruh signifikan negatif terhadap NPL LLP dan BOPO.

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This research intend to examine the effect of loan portfolio concentration on Indonesian banks profitability efficiency and credit risk using banks ROA Cost Efficiency BOPO also NPL and LLP as the proxy for each variable over the period 2010-2014. This research incorporating the Herfindahl Hirshmann Index HHI and Absolute Distance Measure AD to measure loan concentration. Using Fixed Effect Model with sample size of 29 banks over the period of 5 years it is found that loan portfolio concentration is significantly positive affecting banks ROA and significantly negative affecting banks NPL LLP and Cost Efficiency., This research intend to examine the effect of loan portfolio concentration on Indonesian banks rsquo profitability efficiency and credit risk using banks rsquo ROA Cost Efficiency BOPO also NPL and LLP as the proxy for each variable over the period 2010 2014 This research incorporating the Herfindahl Hirshmann Index HHI and Absolute Distance Measure AD to measure loan concentration Using Fixed Effect Model with sample size of 29 banks over the period of 5 years it is found that loan portfolio concentration is significantly positive affecting banks rsquo ROA and significantly negative affecting banks rsquo NPL LLP and Cost Efficiency Keywords loan portfolio composition focus diversification bank return bank credit risk bank efficiency]"

"Penelitian ini bertujuan untuk menganalisis pengaruh keberadaan bank asing dengan aggregate dan disaggregated measures terhadap kinerja bank domestik Indonesia periode 2004-2012. Teknik estimasi penelitian menggunakan fixed effect model. Peneliti menemukan bahwa keberadaan bank asing memiliki pengaruh negatif terhadap net interest margin bank domestik, tetapi memiliki pengaruh positif terhadap noninterest income dan overhead cost bank domestik Indonesia. Hal tersebut mengimplikasikan bahwa peningkatan keberadaan bank asing dapat meningkatkan efisiensi pendapatan bank domestik. Namun, peningkatan keberadaan bank asing mempengaruhi bank domestik untuk meningkatkan biaya operasional.

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This research is aimed to analyze the effect of foreign bank entry on Indonesian domestic banks performance by using aggregate and disaggregated measures in 2004-2012. By applying fixed effect estimators, this research presents that foreign bank presence has a negative effect on net interest margin. However, this research found that foreign bank presence has positive effects on noninterest income and overhead cost. These findings suggest that foreign banks play an important role to encourage domestic banks to operate more efficient. However, an increased foreign bank presence forces domestic banks to spend more."