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Pengaruh diversifikasi pendapatan terhadap kinerja bank

Author

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  • Aryanti Sariartha Sianipar

Abstract

Penelitian ini bertujuan untuk menguji pengaruh diversifikasi pendapatan terhadap kinerja bank. Selain itu penelitian ini juga menguji pengaruh diversifikasi pendapatan terhadap kinerja pada bank besar dan bank kecil. Diversifikasi pendapatan diukur dengan proporsi pendapatan non-bunga, pendapatan fee, dan pendapatan trading, sedangkan kinerja bank diukur dengan risiko pasar, risiko akuntansi, nilai perusahaan, dan kinerja akuntansi. Sampel penelitian adalah bank-bank yang terdaftar di Bursa Efek Indonesia periode 2004-2012. Data yang digunakan adalah data panel. Berdasarkan regresi terhadap data panel ditemukan bahwa diversifikasi pendapatan mampu menurunkan risiko pasar, dan sumber pendapatan yang mampu menurunkan risiko adalah pendapatan fee. Diversifikasi pendapatan tidak berpengaruh terhadap nilai perusahaan, namun berpengaruh positif terhadap profitabilitas. Pada bank besar ditemukan pengaruh diversifikasi pendapatan yang lebih negatif terhadap beta saham bila dibandingkan dengan bank kecil.

Suggested Citation

  • Aryanti Sariartha Sianipar, 2015. "Pengaruh diversifikasi pendapatan terhadap kinerja bank," Jurnal Siasat Bisnis, Management Development Centre (MDC) Department of Management, Faculty of Business and Economics Universitas Islam Indonesia, vol. 19(1), pages 27-35.
    • Handle: RePEc:uii:jsbuii:v:19:y:2015:i:1:p:27-35:id:4381
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