Hasil Pencarian  ::  Simpan CSV :: Kembali

"Penelitian ini bertujuan untuk menganalisis pengaruh transformasi digital dan diversifikasi pendapatan terhadap stabilitas bank, serta menguji peran moderasi diversifikasi pendapatan pada transformasi digital terhadap stabilitas bank. Penelitian ini menggunakan sampel bank umum di Indonesia selama periode 2019 - 2024 dengan menggunakan model regresi fixed effect (FEM) dan random effect (REM) yang disesuaikan untuk masing-masing pengujian. Penelitian ini tidak hanya menganalisis pengaruh variabel terhadap seluruh sampel bank umum, tetapi juga membedakan analisis secara khusus antara bank konvensional dan bank syariah. Hasil penelitian menunjukkan bahwa transformasi digital tidak berpengaruh signifikan terhadap stabilitas bank (berdasarkan z-scoremaupun NPL/NPF). Diversifikasi pendapatan pada bank syariah terbukti dapat meningkatkan stabilitas bank (z-score), sedangkan hasil tidak signifikan ditunjukkan pada keseluruhan sampel dan bank konvensional. Lalu, peran diversifikasi pendapatan pada transformasi digital terhadap stabilitas bank tidak terbukti signifikan pada kedua model.

---

This study aims to analyze the effect of digital transformation and income diversification on bank stability, as well as to test the moderating role of income diversification on digital transformation on bank stability. This study uses a sample of commercial banks in Indonesia during the period 2019 - 2024 using fixed effect (FEM) and random effect (REM) regression models that are adjusted for each test. This study not only analyzes the effect of variables on the entire sample of commercial banks, but also distinguishes the analysis specifically between conventional banks and Islamic banks. The results of the study show that digital transformation has no significant effect on bank stability (based on z-score or NPL/NPF). Income diversification in Islamic banks has been shown to increase bank stability (z-score), while insignificant results are shown in the entire sample and conventional banks. Then, the role of income diversification in digital transformation on bank stability was not proven significant in both models.          "

"Studi ini bertujuan untuk meneliti pengaruh dari diversifikasi pendapatan yang dilakukan oleh bank terhadap kinerja dan stabilitas bank di Bursa Efek Indonesia pada tahun 2011-2020. Penelitian ini juga melihat pengaruh dari struktur kepemilikan dalam mempengaruhi hubungan antara diversifikasi pendapatan dengan kinerja dan stabilitas bank. Penelitian ini menjadikan 47 bank terbuka di Indonesia sebagai sampel dengan menggunakan regresi panel sebagai metode penelitian. Penelitian ini menemukan bahwa diversifikasi pendapatan secara positif dan signifikan mampu mempengaruhi kinerja bank apabila ditinjau menggunakan accounting-based measurement, namun di saat yang bersamaan mampu memembuat bank menjadi semakin berisiko. Selain itu, konsentrasi kepemilikan saham terbesar pada bank serta persentase kepemilikan saham oleh pihak asing juga secara signifikan dan positif mampu mempengaruhi hubungan antara diversifikasi pendapatan yang dilakukan oleh bank terhadap kinerja dan stabilitas bank. Di sisi lain, konsentrasi kepemilikan saham bank oleh investor swasta lokal memberikan pengaruh yang positif terhadap hubungan antara diversifikasi pendapatan dengan Z-score.

---

This study aims to examine the effect of income diversification carried out by banks on the performance and stability of banks listed in the Indonesia Stock Exchange during the period of 2011-2020. This study also looks at the effect of ownership structure in influencing the relationship between income diversification, bank performance, and stability. This study uses 47 public banks in Indonesia as a sample using panel regression as its research method. This study finds that income diversification can positively and significantly affect bank performance when viewed from an accounting-based measurement, where at the same time, it is able to increase bank risk. In addition, the concentration of bank ownership and foreign ownership also significantly and positively influences the relationship between income diversification, bank performance, and stability. Other than that, the concentration of bank shares by the private local investor has a positive effect on the relationship between income diversification and Z-score."

"Penelitian ini bertujuan untuk meneliti pengaruh jenis kepemilikan, konsentrasi kepemilikan, dan diversifikasi pendapatan bank pada liquidity creation. Variabel independen dalam penelitian ini adalah jenis kepemilikan, konsentrasi kepemilikan, dan diversifikasi pendapatan bank. Variabel dependen dalam penelitian ini adalah liquidity creation. Analisa yang digunakan menggunakan regresi data panel dinamis, dengan periode penelitian mulai tahun 2018-2022. Hasil penelitian menunjukkan bahwa konsentrasi kepemilikan tidak berpengaruh signifikan terhadap liquidity creation. Konsentrasi kepemilikan 25% sd <75% berpengaruh pada liquidity creation, sementara kepemilikan diatas ≥75% tidak berpengaruh pada liquidity creation. Kepemilikan saham oleh bank lain tidak berpengaruh signifikan dengan hubungan negatif, sementara kepemilikan oleh investor institutional, company, dan keluarga berpengaruh positif signifikan terhadap liquidity creation. Disisi lain, diversifikasi pendapatan berpengaruh positif signifikan terhadap liquidity creation yang menunjukkan bahwa semakin terdiversifikasi kegiatan usaha bank akan meningkatkan liquidity creation. Jenis kepemilikan bank yang mendapatkan manfaat dari diversifikasi untuk meningkatkan liquidity creation adalah bank yang dimiliki oleh bank lain dan oleh investor institusional. Penelitian ini memberikan masukan kepada investor bahwa jenis kepemilikan menjadi salah satu faktor yang perlu dipertimbangkan untuk meningkatkan liquidity creation pada bank dan memberikan masukan kepada regulator untuk mendorong bank meningkatkan diversifikasi pendapatan sebagai upaya untuk meningkatkan liquidity creation.

---

This research aims to investigate the impact of ownership type, ownership concentration, and bank revenue diversification on liquidity creation. The independent variables in this study are ownership type, ownership concentration, and bank revenue diversification. The dependent variable in this study is liquidity creation. The analysis used is dynamic panel data regression, with the research period spanning from 2018 to 2022. The results indicate that ownership concentration does not have a significant effect on liquidity creation. Ownership concentration between 25% to <75% affects liquidity creation, while ownership concentration of ≥75% does not affect liquidity creation. Share ownership by other banks does not have a significant effect and shows a negative relationship, whereas ownership by institutional investors, companies, and families has a significant positive effect on liquidity creation. On the other hand, revenue diversification has a significant positive effect on liquidity creation, indicating that the more diversified a bank's business activities are, the higher the liquidity creation. The type of bank ownership that benefits from diversification to enhance liquidity creation is ownership by other banks and institutional investors. This study provides input to investors that ownership type is one of the factors that need to be considered to increase liquidity creation in banks, and it provides input to regulators to encourage banks to increase revenue diversification as an effort to enhance liquidity creation."

"Penelitian ini menguji mengenai pengaruh diversifikasi pendapatan terhadap kinerja bank di Indonesia dengan menggunakan data individual 10 bank terbesar di Indonesia dari sisi aset ditahun 2013 yang mewakili 66% aset seluruh bank di Indonesia. Penelitian ini menggunakan data bank periode 2001 – 2013 dan menghasilkan kesimpulan bahwa diversifikasi pendapatan secara signifikan memiliki pengaruh positif terhadap kinerja bank di Indonesia yang diwakili variabel RAROA penelitian ini juga menemukan bahwa penurunan net interest margin berpengaruh signifikan terhadap peningkatan non interest income share pada bank di Indonesia.

---

This research examines the effect on income diversification on the performance of banks in Indonesia by using individual data from 10 largest bank in Indonesia in terms of assets in 2013 which represents 66% of assets of all banks in Indonesia. This study uses individual data banks period 2001 - 2013 and resulted in the conclusion that revenue diversification has a significant and positive effect on the performance of banks in Indonesia which represented by RAROA, this study also found that the decrease in net interest margin has significant effect on the increase in the share of non-interest income of banks in Indonesia."

"Penelitian ini bertujuan untuk menguji hubungan diversifikasi pendapatan dan diversifikasi internasional terhadap risiko bank. Objek penelitian adalah 38 bank umum di Indonesia sejak 2012 hingga 2017. Metode analisis data yang digunakan adalah uji regresi. Hasil penelitian menunjukkan bahwa diversifikasi pendapatan memiliki pengaruh positif terhadap risiko bank sementara diversifikasi internasional tidak terbukti berpengaruh terhadap risiko bank. Implikasi penelitian ini adalah bank seharusnya tetap berhati-hati dalam melakukan upaya diversifikasi pendapatan dan mengelola risiko bank dari aktivitas tersebut. Regulator juga perlu meningkatkan perannya dalam mengawasi aktivitas diversifikasi pendapatan. Terkait diversifikasi internasional, meskipun tidak terbukti berpengaruh terhadap risiko bank namun manajemen bank sebaiknya tetap memperhatikan faktor-faktor risiko yang dihadapi saat menjalankan bisnis di luar negeri.

---

This study purposes to examine the relationship revenue diversification and international diversification toward bank risk. This study uses 38 banks that operate in Indonesia from 2012 to 2017. Analysis method in this study is regression test. The results indicate that revenue diversification has positive effect on bank risk while international diversification does not have effect on bank risk. Therefore, banks should remain cautious in making efforts to diversify revenue and manage bank risk from these activities. Regulator also needs to establish clear regulation in revenue diversification activities. Although this study can not prove the relationship between intenational diversification and bank risk, but banks should pay attention toward faced risk factors related business activites in abroad.

"

"Penelitian ini bertujuan untuk mengetahui pengaruh diversifikasi pendapatan terhadap profitabilitas dan risiko Bank Umum Konvensional di Indonesia periode 2006-2012 dengan menggunakan data panel. Profitabilitas bank diukur dengan menggunakan return on asset dan risk-adjusted return on asset. Penelitian ini menggunakan FOCUSk, Non Interest Income (NII), Fee, Trade, dan Other sebagai indikator diversifikasi. Dengan sampel 94 bank umum konvensional di Indonesia, penelitian ini menunjukkan diversifikasi pendapatan memiliki pengaruh signifikan pada return on average assets, risk-adjusted returns, dan risiko insolvensi bank.

---

This study aims to determine the effect of income diversification on profitability and risk of Commercial Bank in Indonesia during 2006-2012 by using panel data. Profitability of banks is measured by using return on assets and risk-adjusted return on assets. This study uses FOCUSk, Non Interest Income (NII), Fee, Trade, and Other as indicators of diversification. With a sample of 94 conventional commercial banks in Indonesia, this study shows income diversification has a significant effect on return on average assets, risk-adjusted returns, and insolvency risk."

"[ ABSTRAK Penelitian ini bertujuan untuk melihat pengaruh dari diversifikasi pendapatan yang dilakukan bank umum di Indonesia terhadap risiko kredit, kecukupan modal dan profitabilitas bank tersebut. Diversifikasi pendapatan diukur dengan melihat porsi pendapatan non bunga terhadap total pendapatan. Hipotesis diuji dengan regresi panel data melalui analisis random effect model. Penelitian ini menggunakan observasi data dari 180 bank umum di Indonesia periode 2011- 2013. Penelitian ini menunjukkan bahwa diversifikasi pendapatan yang dilakukan oleh bank memiliki hubungan positif dengan risiko kredit, kecukupan modal dan profitabilitas bank.

---

ABSTRACT This research purposed to understand the effect of revenue diversification on credit risk, capital adequacy and profitability of commercial bank in Indonesia. Revenue diversification measured by proportion of non-interest income on total revenue. Hypothesis testing performed using panel data regression with random effect model analysis. The data of this research is 180 commercial bank in Indonesia during 2011-2013 periods. This research shown that revenue diversification has positive effect with credit risk, capital adequacy and bank profitability.

;This research purposed to understand the effect of revenue diversification on credit risk, capital adequacy and profitability of commercial bank in Indonesia. Revenue diversification measured by proportion of non-interest income on total revenue. Hypothesis testing performed using panel data regression with random effect model analysis. The data of this research is 180 commercial bank in Indonesia during 2011-2013 periods. This research shown that revenue diversification has positive effect with credit risk, capital adequacy and bank profitability.

;This research purposed to understand the effect of revenue diversification on credit risk, capital adequacy and profitability of commercial bank in Indonesia. Revenue diversification measured by proportion of non-interest income on total revenue. Hypothesis testing performed using panel data regression with random effect model analysis. The data of this research is 180 commercial bank in Indonesia during 2011-2013 periods. This research shown that revenue diversification has positive effect with credit risk, capital adequacy and bank profitability.

;This research purposed to understand the effect of revenue diversification on credit risk, capital adequacy and profitability of commercial bank in Indonesia. Revenue diversification measured by proportion of non-interest income on total revenue. Hypothesis testing performed using panel data regression with random effect model analysis. The data of this research is 180 commercial bank in Indonesia during 2011-2013 periods. This research shown that revenue diversification has positive effect with credit risk, capital adequacy and bank profitability.

;This research purposed to understand the effect of revenue diversification on credit risk, capital adequacy and profitability of commercial bank in Indonesia. Revenue diversification measured by proportion of non-interest income on total revenue. Hypothesis testing performed using panel data regression with random effect model analysis. The data of this research is 180 commercial bank in Indonesia during 2011-2013 periods. This research shown that revenue diversification has positive effect with credit risk, capital adequacy and bank profitability.

;This research purposed to understand the effect of revenue diversification on credit risk, capital adequacy and profitability of commercial bank in Indonesia. Revenue diversification measured by proportion of non-interest income on total revenue. Hypothesis testing performed using panel data regression with random effect model analysis. The data of this research is 180 commercial bank in Indonesia during 2011-2013 periods. This research shown that revenue diversification has positive effect with credit risk, capital adequacy and bank profitability.

, This research purposed to understand the effect of revenue diversification on credit risk, capital adequacy and profitability of commercial bank in Indonesia. Revenue diversification measured by proportion of non-interest income on total revenue. Hypothesis testing performed using panel data regression with random effect model analysis. The data of this research is 180 commercial bank in Indonesia during 2011-2013 periods. This research shown that revenue diversification has positive effect with credit risk, capital adequacy and bank profitability.

]"