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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."

"Stabilitas perbankan penting untuk dijaga karena bisa berpengaruh ke sektor ekonomi lainnya. Yang menjadi fokus utama dalam tesis ini adalah untuk mengetahui bagaimana pengaruh kekuatan pasar bank, strategi pendanaan bank serta pendapatan non-bunga bank terhadap stabilitas bank di Indonesia. Penelitian ini menggunakan data panel dengan metode pengolahan menggunakan Random Effect untuk menguji pengaruh kekuatan pasar bank, strategi pendanaan bank serta pendapatan non-bunga bank terhadap stabilitas bank di Indonesia. Terdapat 81 data laporan keuangan bank konvensional Indonesia yang digunakan dalam penelitian ini; dimulai dari semester kedua 2004 sampai dengan semester pertama 2014. Hasil penelitian menunjukkan bahwa kekuatan pasar bank berpengaruh positif dan signifikan pada tingkat 1% terhadap stabilitas bank di Indonesia. Semakin besar kekuatan pasar bank, semakin tinggi stabilitas bank. Semakin besar kekuatan pasar bank maka akan semakin besar nilai suatu bank di pasar. Dengan semakin besarnya nilai tersebut maka bank akan menanggung opportunity cost yang besar bila terjadi kebangkrutan. Oleh karena itu bank akan lebih prudent dalam melakukan kegiatannya. Rasio deposit funding bank berpengaruh positif dan signifikan pada tingkat 1% terhadap stabilitas bank. Sedangkan pendapatan non-bunga bank berpengaruh negatif dan signifikan pada tingkat 10% terhadap stabilitas bank.

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The banking stability needs to be maintained because it can influence the other economic sector. The main focus of this thesis is to study the impact of market power, funding strategy and non-interest income on the bank stability in Indonesia. This research use panel data and random effect method to test the impact of market power, funding strategy and non-interest income on the bank stability in Indonesia. The data consist of 81 Indonesia convensional banks. The datas are hand-collected from the bank income statements, started from the second semester of 2004 until the first semester of 2014.

It can be be concluded that market power has a positive and significant impact at level 1% on a bank stability in Indonesia. With a high market power, bank will have a high stability. Bank with a high market market power will be more prudent in doing business because of the high franchise value that the bank has. The bank will have to bear a large opportunity cost when the bank becomes bankrupt. Because of that reason, bank will be more prudent in doing the business. The ratio of deposit funding has a positive and significant impact at level 1% on a bank stability in Indonesia. Non-interest income has a negative dan significant impact at level 10% on a bank stability in Indonesia."

"Penelitian ini bertujuan untuk menganalisis hubungan model bisnis terhadap risiko bank pada bank syariah di Indonesia. Risiko bank direpresentasikan dengan Z-score, sedangkan model bisnis direpresentasikan ke dalam dua hal, yaitu porsi fee based income pada struktur pendapatan dan porsi non deposit funding pada struktur pendanaan. Penelitian ini dianalisis melalui data panel yang mengobservasi 33 data bank syariah di Indonesia pada tahun 2005 hingga tahun 2015. Hasil dari penelitian ini menyimpulkan bahwa pada keseluruhan data besarnya porsi fee based income berpengaruh terhadap risiko bank, sedangkan untuk besarnya porsi non deposit funding tidak berpengaruh terhadap risiko bank. Kemudian, guna kepentingan robustness, peneliti melakukan regresi antar variabel dengan mengkategorikan bank syariah menjadi bank syariah besar dan bank syariah kecil. Pada kategori bank besar, hasil penelitian baik fee based income dan non deposit funding tidak berpengaruh terhadap risiko bank sedangkan untuk bank berkategori kecil, besarnya porsi fee based income memiliki pengaruh terhadap risiko bank, sedangkan untuk besarnya porsi non deposit funding tidak memiliki pengaruh terhadap risiko bank.

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This study aimed to analyze the relationship between business model of bank 39 s risk in Islamic banks in Indonesia. Bank risk is represented by Z score, while business model is represented in two ways, namely the portion of fee based income in income structure and the portion of non deposit funding in funding structure. This study analyzed panel data observed through the data 33 Islamic banks in Indonesia in 2005 to 2015. The results of this study concluded that the overall size of data portion of fee based income effect on the risk of bank, while the magnitude of portion of non deposit funding is not effect on bank 39 s risk. Then, for robustness checks, We conducted a regression between variables to categorize Islamic banks into large and small Islamic banks. In the category of large banks, both fee based income and non deposit funding did not affect bank rsquo s risk, while for banks categorized as small, the magnitude of portion of fee based income has an influence on risk of bank, while the magnitude of portion of non deposit funding has no effect the bank 39's risk."