Hasil Pencarian  ::  Simpan CSV :: Kembali

"Penelitian ini bertujuan untuk mengetahui apakah peningkatan diversifikasi pendapatan meningkatkan profit dan risk-adjusted profit bank di Indonesia pada periode tahun 2007 sampai dengan tahun 2016. Penelitian ini juga meneliti apakah terdapat perbedaan pengaruh diversifikasi pendapatan terhadap kelompok bank berdasarkan status kepemilikan dan asset quality. Hasil penelitian menunjukkan bahwa diversifikasi pendapatan berkorelasi positif terhadap profit dan risk-adjusted profit bank di Indonesia. Terdapat indikasi bahwa bank publik memperoleh profit lebih tinggi dan bank asing memperoleh risk-adjusted profit lebih tinggi dibandingkan kelompok bank lainnya. Hasil penelitian juga menunjukkan bahwa diversifikasi pendapatan memberikan keuntungan lebih besar bagi bank dengan asset quality lebih rendah dibandingkan bank dengan asset quality lebih tinggi. Hasil penelitian konsisten pada model estimasi data panel dinamis.

---

This research investigates whether income diversification increase profits and risk adjusted profits of banks in Indonesia for the period 2007 until 2016. This research also investigates how it varies across different ownership groups and asset quality groups. This research finds that income diversification has positive relation to profits and risk adjusted profits of bank in Indonesia. The results indicate that foreign banks earn more risk adjusted profits compared to others meanwhile, public banks earn more profits compared to others. Furthermore, this research also finds that income diversification benefits more to the banks with lower asset quality compared to those with higher asset quality. The findings are insensitive to dynamic panel data estimators."

"Penelitian ini menunjukkan determinan dari net interest margin (NIM) dan non interest income (NII) yang bertujuan untuk menganalisa hubungan antara NIM dan NII di Indonesia. Hanya sedikit penelitian dengan tujuan ini dan penelitian tersebut menghasilkan hasil yang berbeda untuk setiap sampel dan periode. Karena itu, penelitian ini dilakukan untuk fokus pada bank-bank di Indonesia. System GMM digunakan untuk mengontrol hubungan yang simultan pada NIM dan NII bank umum nasional devisa di Indonesia selama 2004-2011.Penelitian ini menemukan adanya beberapa determinan NIM dan NII yang tidak berpengaruh signifikan secara statistik di Indonesia. Hasil penelitian ini juga menunjukkan adanya hubungan yang negatif dan signifikan secara statistik antara NIM dan NII. Akan tetapi, risiko aktivitas tradisional yang tidak berpengaruh signifikan terhadap aktivitas non tradisional secara statistik memberikan kesimpulan yang berbeda dengan penelitian-penelitian sebelumnya yaitu bank meningkatkan aktivitas non tradisional bukan untuk menutupi penurunan dari pendapatan margin.

---

This study examines the determinants of bank net interest margin (NIM) and non interest income (NII) in order to analize the relationship between NIM and NII in Indonesia. System GMM is employed to control for the simultaneity between NIM and NII for foreign exvhange bank in Indonesia during the period of 2004-2011.

This paper find some the determinants of NIM and NII statistically insignificant in Indonesia. This study's result also shows a statistically significant negative relationship between NIM and NII. However, risk of the traditional activities statistically insignificant correlated with non traditional activities provides a different conclusions with earlier studies that is banks increase their non traditional activities not to offset the decline in margin income."

"Penelitian ini bertujuan mengetahui pengaruh aktivitas non-interest income terhadap performa bank umum konvensional di Indonesia. Performa diukur menggunakan rasio return on asset dan return on equity bank umum konvensional di Indonesia, baik yang sudah disesuaikan dengan risikonya maupun yang belum. Penelitian ini menggunakan data panel dinamis sehingga menggunakan Generalized Moment of Method (GMM). Hasil menunjukkan aktivitas non-interest income berpengaruh negatif dan signifikan terhadap performa bank yang sudah disesuaikan dengan risikonya, tetapi tidak signifkan terhadap performa bank yang belum disesuaikan dengan risikonya. Hal ini menunjukkan bahwa aktivitas non-interest income berpengaruh terhadap risiko performa bank umum konvensional di Indonesia.

---

This study aims to find the effect of non-interest income activity to conventional bank performance in Indonesia. Performance is measured by return on asset and return on equity, both adjusted and unadjusted with risk. This study uses dynamic panel data so that Generalized Moment of Method (GMM) is used. The result shows that non-interest income activity has negative and significant effect on risk-adjusted bank performance, but no significant effect on unadjusted-risk performance. This results show that there is an effect between non-interest income activity and Indonesian Conventional Bank risk performance."

"Menggunakan data triwulanan kuartal satu 2005 sampai kuartal ketiga 2011 peneliti ingin melihat pengaruh kegiatan non interest income yang dibagi menjadi dua yaitu commission and provision ratio dan trading ratio terhadap risiko Bank Umum Konvensional di Indonesia.Risiko bank yang diteliti adalah risiko akuntansi dan risiko pasar.Dengan membagi sampel bank menjadi 3 bagian menurut besarnya asset yaitu besar, menengah dan kecil. Net non interest income menunjukkan banyaknya terjadi pengaruh signifikan pada bank dengan ukuran menengah. Terutama untuk trading income yang banyak memiliki signifikansi terhadap risiko bank.

---

Using quarterly data first quarter 2005 to the third quarter of 2011 researchers wanted to see the effect of non-interest income activities are divided into two commission and provision ratio and trading ratio of Conventional Commercial Banks in Indonesia. Bank risks are divided into accounting risk and market risk.

By dividing the sample into three sections according to the bank the amount of assets are large, medium and small. Net non-interest income showed a significant effect on the number occurs with a medium size bank. Especially for trading income that much significance to the risk of the bank."

"Data perbankan menunjukkan bahwa trend perbankan di Indonesia mulai melihat pendapatan pendapatan selain bunga, khususnya fee based income. Hal ini membawa konsekuensi apakah akan menambah jumlah pendapatan bank secara total dan mengurangi risiko rentabilitas dengan semakin beragamnya jenis keuntungan, yang memerlukan kajian mendalam. Penelitian ini bertujuan untuk menganalisis pengaruh pendapatan selain bunga, khususnya fee based income terhadap risiko rentabilitas bank umum konvensional di Indonesia. Objek penelitian adalah seluruh bank umum konvensional yang dikelompokan berdasarkan kepemilikan atas dasar pengelompokan yang dilakukan oleh Bank Indonesia dengan dibagi menjadi tiga periodisasi data, yaitu sebelum krisis keuangan tahun 2004-2006, saat terjadinya krisis keuangan global tahun 2007-2009, dan pasca krisis keuangan tahun 2010-2013. Faktor-faktor yang diuji pengaruhnya adalah fee based income, pendapatan selain bunga, standar deviasi Return On Asset, standar deviasi Return on Equity dan standar deviasi Biaya Operasional/Pendapatan Operasional. Penelitian dilakukan dengan menggunakan model panel heterogen dan metode regresi linier berganda, menggunakan data time series secara bulanan selama periode 10 (sepuluh) tahun yaitu tahun 2004 - 2013. Uji regresi menunjukan pengaruh fee based income dan pendapatan selain bunga terhadap risiko rentabilitas berbeda-beda untuk masing-masing kelompok bank dan periode waktu yang berbeda. Alternatif pendapatan selain bunga seperti fee based income, pada saat krisis, hanya kelompok Bank Campuran dan BPD yang berpengaruh signifikan menekan risiko rentabilitas. Dengan demikian selama krisis, kelompok Bank Asing, Bank Persero dan BUSN Devisa yang dominan kontribusi fee based-nya, ternyata tidak berkontribusi mengurangi risiko rentabilitas. Adapun pada BUSN Non Devisa juga menunjukkan hasil uji hipotesis ditolak.

---

Banking data shows that the trend of banking in Indonesia began to look into non interest income rather than interest income, especially fee-based income. This may result in an increase of banks? total revenue and decrease of rentability risk due to various type of profit, which require in-depth review. This research was aimed at studying the influence of non-interest income, in particular fee based income, toward the rentability risk conventional bank in Indonesia.

The research object were all commercial conventional banks, classified based on ownership as per Bank Indonesia classification, and divided into 3 (three) data periods, namely prior to financial crises (2004-2006), during the financial crises (2007-2009), and post financial crises (2010-2013). The factors that were being examined are feebased income, non-interest income, standard deviation of Return on Asset, standard deviation of Return on Equity, and standard deviation of Operational Cost/Operational Revenue. The estimation model was conducted using heterogeneous panel and mulitple regression analysis, and the date that were being utilised are monthly time series data for the period of last ten years (2004-2013).

Regression test showed that the influence of increases in fee based income and non-interest income was different for each category of banks within different time periods. During the crises, non-interest income alternatives, such as fee-based income, only significant in reducing rentability risks on regional banks and banks owned jointly by foreign and domestic parties. Thus, during the period of crises, banks whose fee-based income was dominant, such as foreign-owned banks, government-owned banks and banks conducting foreign-exchange activities, did not experience reduced rentability risk. As for the banks that did not conduct foreign exchange activities, the results of the hypothesis testing is rejected."

"Penelitian ini bertujuan untuk menganalisis pengaruh pendapatan non-bunga terhadap risiko bank pada bank berorientasi retail dan bank berorientasi investasi di Indonesia periode 2008-2014. Teknik estimasi yang digunakan adalah fixed effect model. Penelitian ini menemukan bahwa pendapatan non-bunga memiliki pengaruh positif terhadap risiko pada bank berorientasi investasi ditandai dengan menurunnya nilai z-score. Selain itu, peningkatan pendapatan non-bunga ditemukan meningkatkan risk adjusted return pada seluruh sampel dan bank berorientasi retail. Di sisi lain, peningkatan pendapatan non-bunga menurunkan risk adjusted capitalization pada bank berorientasi investasi. Pengaruh pendapatan non-bunga terhadap risiko secara umum disumbang oleh pendapatan komisi, provisi, dan fee.

---

This research is aimed to analyze the effect of non-interest income on bank risk in Indonesian retail oriented banks and investment oriented banks from 2008 to 2014. Using fixed effect model, the result show that non-interest income has positive effect on bank risk in investment oriented bank in the sense of having lower z-score. Furthermore, an increase in non-interest income inreases risk adjusted return in full sample and retail oriented bank, while it reduce risk adjusted capitalization in investment oriented bank. The results show that the effect of non-interest income on bank risk mainly comes through fee and commission income."

"[Penelitian ini bertujuan untuk menganalisa pengaruh market power dan non interest income serta interaksi antara diversifikasi pendapatan non interest income dan market power terhadap stabilitas individual bank di negara negara ASEAN 5 Penelitian ini menggunakan perhitungan Z score sebagai proksi stabilitas bank dan Lerner Index sebagai indikator market power Dengan menggunakan sampel 76 bank yang listed di bursa masing masing negara ASEAN 5 yaitu Bursa Efek Indonesia IDX Bursa Malaysia KLSE Singapore Exchange SGX Stock Exchange of Thailand SET dan Philippine Stock Exchange PSE pada periode 2009 ndash 2013 model penelitian diestimasi menggunakan fixed effect model Hasil estimasi menunjukkan bahwa bank dengan market power yang besar memiliki tingkat stabilitas bank yang lebih rendah ketika mendiversifikasikan pendapatannya non interest income ;The study examines the effect of market power and non interest income and whether revenue diversification non interest income interacts with market power impacting on individual bank stability in ASEAN 5 Countries This research is used Z score as proxy for bank stability and Lerner Index as an indicator of market power The sample consists of 76 listed banks in Indonesia Stock Exchange IDX Bursa Malaysia KLSE Singapore Exchange SGX Stock Exchange of Thailand SET and Philippine Stock Exchange PSE for period 2009 ndash 2013 By using fixed effect model to estimate the equation model the result suggests that banks with greater market power are less stable when they diversify into non traditional activities non interest income ;The study examines the effect of market power and non interest income and whether revenue diversification non interest income interacts with market power impacting on individual bank stability in ASEAN 5 Countries This research is used Z score as proxy for bank stability and Lerner Index as an indicator of market power The sample consists of 76 listed banks in Indonesia Stock Exchange IDX Bursa Malaysia KLSE Singapore Exchange SGX Stock Exchange of Thailand SET and Philippine Stock Exchange PSE for period 2009 ndash 2013 By using fixed effect model to estimate the equation model the result suggests that banks with greater market power are less stable when they diversify into non traditional activities non interest income , The study examines the effect of market power and non interest income and whether revenue diversification non interest income interacts with market power impacting on individual bank stability in ASEAN 5 Countries This research is used Z score as proxy for bank stability and Lerner Index as an indicator of market power The sample consists of 76 listed banks in Indonesia Stock Exchange IDX Bursa Malaysia KLSE Singapore Exchange SGX Stock Exchange of Thailand SET and Philippine Stock Exchange PSE for period 2009 ndash 2013 By using fixed effect model to estimate the equation model the result suggests that banks with greater market power are less stable when they diversify into non traditional activities non interest income ]"

"[Penelitian ini bertujuan untuk menganalisa pengaruh market power dan non-interest income serta interaksi antara diversifikasi pendapatan (non-interest income) dan market power terhadap stabilitas individual bank di negara-negara ASEAN 5. Penelitian ini menggunakan perhitungan Z-score sebagai proksi stabilitas bank dan Lerner Index sebagai indikator market power. Dengan menggunakan sampel 76 bank yang listed di bursa masing-masing negara ASEAN 5, yaitu Bursa Efek Indonesia (IDX), Bursa Malaysia (KLSE), Singapore Exchange (SGX), Stock Exchange of Thailand (SET), dan Philippine Stock Exchange (PSE) pada periode 2009 ? 2013, model penelitian diestimasi menggunakan fixed effect model. Hasil estimasi menunjukkan bahwa bank dengan market power yang besar memiliki tingkat stabilitas bank yang lebih rendah ketika mendiversifikasikan pendapatannya (non-interest income). ;The study examines the effect of market power and non-interest income and whether revenue diversification (non-interest income) interacts with market power impacting on individual bank stability in ASEAN 5 Countries. This research is used Z-score as proxy for bank stability and Lerner Index as an indicator of market power. The sample consists of 76 listed banks in Indonesia Stock Exchange (IDX), Bursa Malaysia (KLSE), Singapore Exchange (SGX), Stock Exchange of Thailand (SET), and Philippine Stock Exchange (PSE) for period 2009 ? 2013. By using fixed effect model to estimate the equation model, the result suggests that banks with greater market power are less stable when they diversify into non-traditional activities (non-interest income). , The study examines the effect of market power and non-interest income and whether revenue diversification (non-interest income) interacts with market power impacting on individual bank stability in ASEAN 5 Countries. This research is used Z-score as proxy for bank stability and Lerner Index as an indicator of market power. The sample consists of 76 listed banks in Indonesia Stock Exchange (IDX), Bursa Malaysia (KLSE), Singapore Exchange (SGX), Stock Exchange of Thailand (SET), and Philippine Stock Exchange (PSE) for period 2009 – 2013. By using fixed effect model to estimate the equation model, the result suggests that banks with greater market power are less stable when they diversify into non-traditional activities (non-interest income). ]"

"Penelitian ini bertujuan untuk mengetahui faktor-faktor serta variabel yang mempengaruhi Non Interest Income pada industri perbankan di Indonesia serta pengaruh Non Interest Income terhadap return, risiko dan kinerja selama periode 2002 hingga 2010. Menggunakan metodologi panel data, hasil penelitian menunjukkan bahwa besaran aset bank (size), rasio modal terhadap aset, kompetisi dan teknologi berpengaruh terhadap non interest income. Non interest income pada industri perbankan di Indonesia tidak berpengaruh terhadap return, namun berpengaruh terhadap risiko dan kinerja.Kata kunci: Non Interest Income, Return, Risiko, Kinerja

---

Title : Determinants of Non Interest Income in Indonesia Banking

This study aims to understand factors and variables that affect the non interest income in Indonesia banking industry during the period of 2002 to 2010. Using the panel data methodology, result showed that bank size, equity to asset ratio, competition and technology affect non interest income. Non interest income affect to risk and performance but not to return.

Keywords: Non Interest Income, Return, Risk, Performance"

"Penelitian ini menganalisis pengaruh dari pendapatan non-bunga terhadap profitabilitas dan risk-adjusted profitability bank pada bank yang terdaftar di Bursa Efek Indonesia periode 2009-2015. Pendapatan non-bunga pada penelitian ini dibagi menjadi tiga kelompok yaitu pendapatan jasa dan komisi, pendapatan trading dan pendapatan lain-lain. Penelitian ini menemukan bahwa pendapatan non-bunga memiliki pengaruh positif terhadap profitabilitas bank dengan pendapatan jasa dan komisi yang memiliki kontribusi paling besar dibandingkan kelompok pendapatan non-bunga lainnya. Pendapatan non-bunga juga ditemukan meningkatkan riskadjusted profitability pada sampel bank. Penelitian ini juga menemukan bahwa adanya korelasi yang tinggi antara pendapatan non-bunga dengan pendapatan bunga serta komponen penyumbang pendapatan bunga bank yaitu kredit yang disalurkan dan deposito.

---

This study analysis the effect of non-interest income on banks?s profitability and risk-adjusted profitability on listed bank during 2009-2015. This study classified non-interest income into three categories: fee-based income, trading income and other income. Non-interest income shows a positif relation on bank's profitability with fee-based income having biggest contribution compared with other category. This study find that non-interest income increase sample bank's risk-adjusted profitability. This study also find a high correlation between non-interest income and interest income and its component: loan and deposit."