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"ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh pertumbuhan kredit terhadap kinerja bank berdasarkan penilaian pasar dengan menggunakan pendekatan Tobin rsquo's Q, baik secara keseluruhan maupun selama periode sebelum krisis dan selama krisis di Amerika Serikat pada bank-bank umum konvensional yang terdaftar dalam Bursa Efek Indonesia selama tahun 2005 ndash; 2014 menggunakan data kuartalan. Sedangkan metode analisis data yang digunakan adalah metode data panel. Setelah melakukan kontrol terhadap karakteristik bank, pertumbuhan kredit secara signifikan berpengaruh positif terhadap kinerja bank berdasarkan penilaian pasar di tiap periode waktu.

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ABSTRACTThis research aims to investigate how loan growth influence bank performance according to market valuation by using Tobin rsquo s Q as proxy, both comprehensively or before and during the financial crisis in United States on listed convensional banks during 2005 ndash 2014 by using quarterly data. Regarding data analysis method, this research is using panel data. After controlling for bank characteristics, loan growth is positively and statistically significant influence bank performance according to market valuation in each period of time. "

"Menggunakan metode regresi data panel dengan fixed effect model, penelitian ini bertujuan untuk menguji dan menganalisis pengaruh faktor bank spesifik dan faktor makroekonomi terhadap profitabilitas bank umum yang terdaftar di Bursa Efek Indonesia (BEI) pada periode sebelum (2004-2007), selama (2008-2010), dan sesudah (2011-2019) krisis keuangan global. Sampel dalam penelitian ini terdiri dari 28 bank umum yang terdaftar di BEI pada periode 2004-2019. Hasil penelitian menemukan bahwa kecukupan modal, ukuran bank, risiko kredit, serta pertumbuhan ekonomi berpengaruh terhadap profitabilitas bank pada periode sebelum, selama, dan sesudah krisis keuangan global. Sementara itu, pertumbuhan bank, profitabilitas satu tahun sebelumnya, biaya manajemen, dan inflasi berpengaruh terhadap profitabilitas bank hanya pada dua periode dari tiga periode berbeda yang telah ditentukan.

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Using panel data regression method with fixed effect model, this study aims to examine and analyze the effect of bank specific factors and macroeconomic factors on the profitability of commercial banks listed on the Indonesia Stock Exchange (IDX) in the period before (2004-2007), during (2008-2010), and after (2011-2019) the global financial crisis. The sample in this study consisted of 28 commercial banks listed on the IDX in the period 2004-2019. The results of the study found that capital adequacy, bank size, credit risk, management costs, and economic growth affected bank profitability in the period before, during, and after the global financial crisis. Meanwhile, bank growth, lagged one profitability, cost management, and inflation affected bank profitability only in two periods out of three different periods that had been determined."

"Penelitian ini dilakukan dengan tujuan untuk mengetahui pengaruh yang diberikan oleh risiko kredit, risiko likuiditas, dan risiko operasional terhadap kinerja perbankan, yang dilihat dari kinerja keuangan bank tersebut; pada bank-bank yang terdaftar di Bursa Efek Indonesia periode 2016-2020. Variabel bebas dalam penelitian ini antara lain risiko kredit, risiko likuiditas, dan risiko operasional; dimana risiko kredit diukur dengan rasio non-performing loans, risiko likuiditas diukur dengan current ratio dan loan-to-deposit ratio, serta risiko operasional diukur dengan basic indicator approach yang ketentuannya diatur oleh Basel II. Selain itu, terdapat variabel terikat dalam penelitian ini, yaitu kinerja perbankan, yang diukur dengan menggunakan rasio return on assets. Adapun terdapat variabel kontrol dalam penelitian ini, yaitu firm age, yang diukur dengan lamanya bank tersebut menjalankan operasionalnya; dan firm growth yang diukur melalui pertumbuhan pada persentase perubahan sales yang berhasil dicapai oleh bank di tahun tersebut. Penelitian ini adalah penelitian kuantitatif dengan menguji regresi data panel. Hasil dari penelitian ini ditemukan bahwa risiko kredit dan risiko operasional memberikan pengaruh yang signifikan, sedangkan risiko likuiditas tidak memberikan pengaruh yang signifikan; terhadap kinerja keuangan bank. Firm age dan firm growth memberikan pengaruh yang signifikan terhadap kinerja keuangan bank.

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The purpose of this study is to analyze the effect of specific risks; credit risk, liquidity risk, and operational risk towards bank’s performance, which is measured by bank’s financial performance on banks listed in IDX period 2016-2020. Credit risk, liquidity risk, and operational risk are the independent variables in this study. Credit risk is measured by non-performing loans ratio; liquidity risk is measured by current ratio and loan-to-deposit ratio; and operational risk is measured by basic indicator approach, which is regulated by Basel II. Moreover, bank’s performance as a dependent variable is measured by return on assets ratio. Furthermore, there are control variables in this study, i.e. firm age and firm growth. Firm age is measured by how long the banks do its business; and firm growth is measured by percentage change in sales. This is a quantitative research using panel data regression test. The results of this study find that credit risk and operational risk significantly influence financial performance; but liquidity risk shows insignificant affect the financial performance. On the other hand, firm age and firm growth significantly impact the bank’s financial performance."

"Penelitian ini bertujuan untuk melihat pengaruh diversifikasi kredit terhadap risiko kredit, efisiensi, dan kapitalisasi bank. Data yang digunakan merupakan data panel yang terdiri dari 20 bank umum konvensional yang terdaftar di Bursa Efek Indonesia periode 2007-2011. Metode penelitian menggunakan Fixed-Effect Model dan Random-Effect Model. Hasil dari penelitian ini menunjukkan bahwa diversifikasi kredit secara signifikan berpengaruh positif terhadap risiko kredit dan efisiensi serta berpengaruh negatif terhadap kapitalisasi. Hal tersebut menunjukkan bahwa diversifikasi kredit meningkatkan risiko kredit, meningkatkan efisiensi bank, dan menurunkan kapitalisasi bank.

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The aim of this paper is to analyze how loan diversification affects credit risk, efficiency, and capitalization of commercial banks. Employing panel data from 20 conventional commercial banks listed in Indonesia Stock Exchange during year 2007-2011, this research was conducted using Fixed-Effect Model and Random- Effect Model. Result obtained from the research showed that loan diversification positively significant affects credit risk and bank efficiency, and negatively significant affects bank capitalization. It implies that loan diversification increase the risk faced by banks, increase bank efficiency, and decrease bank capitalization."

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Penelitian ini bertujuan untuk menganalisa seberapa besar pengaruh efisiensi perusahaan perbankan terhadap imbal hasil saham perusahaan tersebut pada periode 2015–2018. Sampel yang digunakan dalam penelitian ini adalah 12 bank umum konvensional yang terdaftar di Bursa Efek Indonesia. Metode yang digunakan untuk mengukur efisiensi bank dalam penelitian adalah metode Data Envelopment Analysis (DEA). Sedangkan metode Common Effect Model/CEM digunakan untuk menganalisis pengaruh efisiensi bank tersebut terhadap imbal hasil saham.

Hasil penelitian menunjukkan bahwa 12 bank umum konvensional selama 2015–2018 cukup efisien. Tahun 2015 ke 2016, rata–rata score efisiensi mengalami penurunan. Rata–rata nilai skor efisiensi dari tahun 2016 hingga 2018 terjadi peningkatan dari tahun ke tahun. Hasil penelitian lainnya menunjukkan bahwa score efisiensi bank, yang diperoleh dari pendekatan DEA, tidak berpengaruh secara signifikan terhadap imbal hasil saham bank.

 

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This study aims to analyze bank efficiency and how much it determine stock return on banks stock return in Indonesia for 2015-2018 period. The sample of this study is 12 conventional commercial banks listed on the Indonesia Stock Exchange. The method used to measure bank efficiency is the non-parametric Data Envelopment Analysis (DEA) method. The Common Effect Model (PLS) method is used to determine the effect of bank efficiency on stock return.

The results showed that 12 conventional commercial banks during 2015–2018 were adequately efficient. From 2015 to 2016, the average efficiency score decreased. The average efficiency score from 2016 to 2018 has increased year-on-year. Other research results indicate that the bank efficiency score, which is obtained from the DEA approach, does not have a significant effect on bank stock return.

 

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"Selama masa pandemi covid-19, banyak sektor ekonomi terdampak penyebaran pandemi covid-19 termasuk perbankan. Penelitian ini mencoba untuk meneliti dampak pandemi, faktor spesifik banks dan faktor makroekonomi terhadap stabilitas bank umum konvensional yang terdaftar di Bursa Efek Indonesia. Fator spesifik bank pada penelitian ini berfokus pada ukuran bank dan rasio kecukupan modal sebagai variabel independen. Adapun faktor makroekonomi pada penelitian ini adalah tingkat pertumbuhan domestik bruto (PDB). Sedangkan dampak pandemi covid-19 dikuantifikasi dengan variabel dummy. Penelitian ini menggunakan model penelitian regresi data panel dengan menggunakan data yang berasal dari laporan keuangan Bank Umum Konvensional yang terdaftar di Bursa Efek Indonesia pada periode 2018-2021. Penelitian ini menemukan bahwa stabilitas bank secara signifikan lebih rendah pada periode pandemi dibandingkan sebelum pandemi. Adapun penelitian juga menyimpulkan bahwa rasio kecukupan modal, dan ukuran bank berpengaruh positif signifikan terhadap stabilitas bank. Sedangkan pertumbuhan PDB cenderung berkorelasi negatif terhadap stabilitas bank. Diharapkan pada penelitian selanjutnya dapat memperbanyak sampel penelitian dan dapat melakukan analisis yang lebih mendalam terkait dampak pandemi covid-19 terhadap stabilitas bank.

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During the Covid-19 pandemic, many economic sectors were affected by the spread of the Covid-19, including banking. This research attempts to examine the impact of the pandemic, bank’s specific factors and macroeconomic factors on the stability of conventional commercial banks listed on the Indonesia Stock Exchange. The bank’s specific factors in this study focus on bank size and capital adequacy ratio as independent variables that affect bank stability. The macroeconomic factor in this study is the gross domestic product (GDP) growth rate. Meanwhile, the impact of the Covid-19 pandemic is quantified using a dummy variable. This study uses a panel data regression research model on the data from financial statements of Conventional Commercial Banks listed on the Indonesia Stock Exchange in 2018-2021. This study finds that bank’s stability in pandemic period is significantly lower than before pandemic period. This study also finds that capital adequacy ratio, and bank’s size have a significant positive effect on bank stability. Meanwhile GDP growth has significant negative effects on bank stability. Hopefully the future research can increase the number of research samples and conduct a more in-depth analysis regarding the impact of the COVID-19 pandemic on bank stability."

"Penelitian ini bertujuan untuk menguji pengaruh hipotesis income smoothing dengan menggunakan Penyisihan Penghapusan Aktiva Produktif PPAP . Dengan menggunakan sampel 35 bank konvensional di negara-negara ASEAN 5 selama periode 2001-2015, penelitian ini tidak menemukan bukti kuat terhadap perilaku income smoothing dengan PPAP. Selain itu, praktik income smoothing dengan PPAP oleh bank cenderung tidak terpengaruh oleh peraturan minimum bank, periode resesi dan profitabilitas bank. Ketiadaan pengaruh tersebut dapat dikarenakan penetapan standar PPAP yang lebih konservatif, dimana ASEAN telah mengadopsi ketentuan PPAP yang lebih ketat dan manajemen risiko yang lebih kuat, sehingga hal ini tidak memberikan celah bagi manajer untuk melakukan praktik income smoothing dengan PPAP.

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This study aims to examine the effect of income smoothing hypothesis using loan loss provisions. Using a sample of 35 conventional banks in ASEAN 5 countries during the period 2001 2015, this study found no strong evidence of income smoothing behavior using loan loan provisions. In addition, the practice of income smoothing with loan loss provosions by banks is less likely to be affected by minimum bank regulation, recession period and bank profitability. The absence of these effects could be due to the establiment of more conservative loan loss provision standards, which ASEAN has adopted stricter provisioning requirements and stronger risk management, so this does not provide a gap for managers to do income smoothing using loan loss provisions."

"Penelitian ini bertujuan untuk mengetahui pengaruh pandemi covid-19 terhadap kinerja bank umum yang diukur berdasarkan profitabilitas bank yang di proyeksikan berdasarkan tingkat pengembalian aset dan tingkat pengembalian ekuitas dengan menggunakan metode regresi data panel. Variabel yang digunakan dalam penelitian ini terdiri atas variabel independen pandemi covid-19. Penelitian ini terdiri atas variabel dependen yaitu profitabilitas bank yang digambarkan dengan perubahan pada pengembalian aset dan pengembalian ekuitas. Hasil penelitian menunjukkan pada model pengembalian aset tidak ada pengaruh signifikan antara pandemi covid-19 terhadap ROA. Sedangkan pada model pengembalian ekuitas, terdapat pengaruh yang signifikan antara variabel pandemi covid-19 terhadap ROE.

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This study aims to determine the effect of the Covid-19 pandemic on the performance of commercial banks as measured by bank profitability which is projected based on the rate of return on assets and the rate of return on equity using the panel data regression method. The variables used in this study consist of the independent variables of the Covid-19 pandemic. This study consists of the dependent variable, namely bank profitability, which is described by changes in return on assets and return on equity. The results of the study show that in the asset return model there is no significant effect of the Covid-19 pandemic on ROA. Meanwhile, in the equity return model, there is a significant influence between the Covid-19 pandemic variables on ROE."

"Tujuan utama dari penelitian ini adalah untuk meneliti pengaruh struktur kepemilikan institusional terhadap tingkat leverage perusahaan, yang mana struktur kepemilikan institusional diproksikan dengan perubahan total kepemilikan institusional per tahun dan tingkat leverage diproksikan dengan perubahan total leverage per tahun. Proksi tersebut disesuaikan dengan penelitian sebelumnya oleh Chung dan Wang (2014). Penelitian ini dilakukan di Indonesia, menggunakan total sampel 21 perusahaan non keuangan yang terdaftar di Bursa Efek Indonesia dari tahun 1999 sampai 2014 dengan data historis selama 10 tahun. Metode analisis yang digunakan adalah three-stage least square (3SLS). Hasil penelitian ini adalah struktur kepemilikan institusional memiliki hubungan yang negatif terhadap tingkat leverage, namun sebaliknya tingkat leverage memiliki hubungan yang positif terhadap struktur kepemilikan institusional.

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The primary aim of this research is to examine the impact of institutional ownership on Leverage, which institutional ownership is represented by change in institutional ownership over the year and leverage is represented by change in total leverage over the year, these proxies are constructed by Chung and Wang (2014). This research takes place in Indonesia, using total sample of 21 companies non-financial companies listed in Indonesia Stock Exchange (IDX) from 1999-2014 with historical data for 10 years observations. This research used three-stage least square (3SLS) as an analytical method. The findings of this research are institutional ownership has negative relation with leverage and leverage has positive relation with institutional ownership."

"[ABSTRAKTujuan penelitian ini adalah untuk mengetahui pengaruh Ukuran Bank (LNA), Capital Adequacy Ratio (CAR), Loans/Total Assets (LA), Loans Loss Provision (LLP), Liquid Assets/Total Assets (LQD), Deposits/Total Assets (DP), Net Interest Margin (NIM), Non Interest Income (NII) terhadap profitabilitas Bank Umum Konvensional yang terdaftar di Bursa Efek Indonesia dengan indikator ROA dan ROE periode 2005-2013. Data yang digunakan dalam penelitian ini diperoleh dari laporan tahunan bank yang dipublikasikan di Bank Indonesia dengan sampel 20 Bank Umum Konvensional. Penelitian ini menggunakan model regresi linierberganda. Hasil dari penelitian ini menunjukkan bahwa ada pengaruh signifikanLNA, LA, LLP dan NIM terhadap ROA, namun CAR, LQD, DP dan NII tidak berpengaruh signifikan terhadap ROA. Sementara ada pengaruh signifikan LNA, LA, LLP, LQD dan NIM terhadap ROE, namun CAR, DP dan NII tidak berpengaruh signifikan terhadap ROE.

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ABSTRACTThe purposes of this research is to know the influence of Bank Size (LNA), Capital Adequacy Ratio (CAR), Loans/Total Assets (LA), Loans Loss Provision (LLP), Liquid Assets/Total Assets (LQD), Deposits/Total Assets (DP), Net Interest Margin (NIM), Non Interest Income (NII) to profitability of Conventional Commercial Banks listed in Indonesia Stock Exchange by using Return on Assets and Return on Equity period 2005-2013. The data used in this study were obtain from the bank’s annual financial report which published in Bank Indonesia official website with sample of 20 Conventional Commercial Bank’s. This research using linear regression method. This result from this research indicate that LNA, LA, LLP and NIM havesignificant influence with ROA but CAR, LQD, DP and NII have unsignificant influence with ROA. While LNA, LA, LLP, LQD and NIM have significant influence with ROE but CAR, DP and NII have unsignificant influence with ROE.;The purposes of this research is to know the influence of Bank Size (LNA), CapitalAdequacy Ratio (CAR), Loans/Total Assets (LA), Loans Loss Provision (LLP),Liquid Assets/Total Assets (LQD), Deposits/Total Assets (DP), Net Interest Margin(NIM), Non Interest Income (NII) to profitability of Conventional CommercialBanks listed in Indonesia Stock Exchange by using Return on Assets and Return onEquity period 2005-2013. The data used in this study were obtain from the bank’sannual financial report which published in Bank Indonesia official website withsample of 20 Conventional Commercial Bank’s. This research using linear regressionmethod. This result from this research indicate that LNA, LA, LLP and NIM havesignificant influence with ROA but CAR, LQD, DP and NII have unsignificantinfluence with ROA. While LNA, LA, LLP, LQD and NIM have significantinfluence with ROE but CAR, DP and NII have unsignificant influence with ROE., The purposes of this research is to know the influence of Bank Size (LNA), CapitalAdequacy Ratio (CAR), Loans/Total Assets (LA), Loans Loss Provision (LLP),Liquid Assets/Total Assets (LQD), Deposits/Total Assets (DP), Net Interest Margin(NIM), Non Interest Income (NII) to profitability of Conventional CommercialBanks listed in Indonesia Stock Exchange by using Return on Assets and Return onEquity period 2005-2013. The data used in this study were obtain from the bank’sannual financial report which published in Bank Indonesia official website withsample of 20 Conventional Commercial Bank’s. This research using linear regressionmethod. This result from this research indicate that LNA, LA, LLP and NIM havesignificant influence with ROA but CAR, LQD, DP and NII have unsignificantinfluence with ROA. While LNA, LA, LLP, LQD and NIM have significantinfluence with ROE but CAR, DP and NII have unsignificant influence with ROE.]"