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"Penelitian ini bertujuan mengetahui pengaruh fee based income dan non deposit funding terhadap profitabilitas dan risiko umum konvensional di Indonesia. Profitabilitas diukur menggunakan rasio return on asset dan risiko diukur menggunakan Z-score. Penelitian ini menggunakan data panel dan menggunakan metode Generalized Least Square (GLS).Hasil penelitian menunjukan tidak ada pengaruh fee based income dan non deposit funding terhadap profitabilitas. Hasil penelitian ini menunjukan fee based income dan non deposit funding memiliki pengaruh terhadap risiko bank umum konvensional di Indonesia.

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This study aims to find the impact of fee based income and non deposit funding to conventional bank rsquo s risk and profitability in Indonesia Profitability is measured by return on asset and risk is measured by Z score This study uses panel data and Generalized Least Square as method GLS is used.

The result shows that fee based income and non deposit funding has no significant effect to profitability. This results show that there is an effect between fee based income and non deposit funding to Indonesian Conventional Bank risk Key words Fee Based Income Non Deposit Funding Profitability Risk."

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Pertumbuhan jumlah investor di pasar modal syariah di Indonesia terus meningkat dari tahun 2015 sampai 2019, khususnya investor di saham syariah. Membuat keputusan investasi didasari oleh keadaan setiap investor, baik rasional maupun irasional aspek. Investor syariah dihadapkan terhadap rasionalitas dan moralitas ketika melakukan investasi pada saham syariah. Penelitian ini bertujuan mencari faktor-faktor yang memengaruhi investment decision investor saham syariah di Indonesia. Penelitian menggunakan kuesioner online dari google formulir untuk pengumpulan data, sehingga didapatkan 108 responden yang mengisi kuesioner. Analisis yang digunakan dalam penelitian ini adalah Partial Least Square (PLS)-SEM dengan bantuan perangkat lunak SmartPLS versi 3.2.8. Hasil dari penelitian ini menunjukan faktor financial literacy, personal value, dan risk aversion memiliki pengaruh positif terhadap investment decision. Sedangkan information asymmetry tidak memiliki pengaruh terhadap investment decision. Hasil lain yang didapatkan dari penelitian ini adalah financial literacy, personal value, information asymmetry tidak memiliki pengaruh terhadap risk aversion.

 

 

 

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The development of the number of investor in Islamic Capital Market in Indonesia has increased from 2015 to 2019, especially investors on Islamic stock. Investment decision making is based on the condition of every investor, both rational and irrational aspect. Islamic investor faced with rationality and morality when investing in Islamic stock. This research aims to look for factors that influence investment decisions Islamic stock investors in Indonesia. This research using online questionnaire from Google. The analysis used in this research is Partial Least Square (PLS) SEM with tools SmartPLS version 3.2.8. The results of this research show the factor financial literacy, personal values, and risk aversion influence on investment decision, whereas information asymmetry has no influence on investment decision. Other results from this research are financial literacy, information asymmetry and personal value has no influence on risk aversion.

 

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