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"There are two situations that i can sense in May 1998. The first one is the economic crisis that is presently full blown. Every day you see, hear, read and maybe experience the impact on the economic crisis. Most of the Indonesians already experience or will experience in someway or the other some aspects the economic crisis.The second is the question whether there is a hospital crises in May 1998. The answer is different from hospital to hospital. Some hospitals were in real danger of closing in January 1998. The economic crisis has hit hard. No hospital manager has experienced such a crisis situation before and they tried to take action for example to lower their operating cost and to increase their revenue."

"Penelitian ini bertujuan untuk menganalisa pengaruh internasionalisasi terhadap risikobank. Studi ini menggunakan regresi data panel dengan Generalized Least Square (GLS).Uji Hausman dilakukan pada studi ini dan menghasilkan model fixed effect sebagai modelyang paling tepat untuk mengestimasi model. Faktor spesifik bank diantaranya: ukuranbank, biaya overhead bank, diversifikasi pendapatan bank serta faktor makroekonomidiantaranya: pertumbuhan GDP dan GDP per kapita digunakan sebagai variabel kontroldalam penelitian ini. Penelitian ini menggunakan data dari 743 bank komersial yangberasal dari negara-negara yang tergabung dalam keanggotaan G8 pada periode 2005-2018. Pada periode tersebut, internasionalisasi berpengaruh positif terhadap risiko bank.Mengikuti periode krisis keuangan, penelitian ini menyimpulkan bahwainternasionalisasi justru meminimalisasi risiko bank pada saat periode krisis. Lokasidimana bank beroperasi, di negara maju atau berkembang terbukti tidak memilikipengaruh pada risiko bank

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This study aims to analyse the effect of internationalization to bank risk. This study uses

data panel regression analysis techniques with Generalized Least Square (GLS).

Hausman test show that the model used as a fixed effect estimation technique. Bankspecific

factors such as bank size, bank overhead cost, bank income diversification, and

macro-economic factors such as GDP growth and GDP per capita are taken as control

variables. Using data from 743 commercial banks from Group of Eight (G8) countries

over 2005-2018. Over this period, bank internationalization is associated with higher

bank risk. Following the crisis, we find that the effect of internationalization is even more

inconspicious during the financial crises. Furthermore, Whether the banks operate in

developing or developed countries, has proven to have no significant relationship with

bank risk."