PENGARUH DIVERSIFIKASI PENDAPATAN  DAN MARKET  POWER TERHADAP PROFITABILITAS PADA PERBANKAN DI INDONESIA (STUDI PADA BANK UMUM KONVENSIONAL DI INDONESIA  PERIODE 2016-2020)

Mutia  Melsyawitri; Muchlis Muchlis

Authors

Mutia Melsyawitri STIE Indonesia Banking School
Muchlis Muchlis STIE Indonesia Banking School

Keywords:

Profitabilit, Market Power, Revenue Diversification

Abstract

This study investigated the relationship between revenue diversification and market power on the profitability of commercial banks in Indonesia. This study uses data from commercial banks in Indonesia and further analysis of data from commercial banks that have moderately diversified their income for the 2016 -2020 period. This study using the purposive sampling method will obtain a sample of 87 commercial banks and 13 commercial banks that have diversified moderately. The results of this study indicate that revenue diversification has no significant effect on the profitability of commercial banks in Indonesia and commercial banks that home diversified moderate in Indonesia. The results of market power do not have a significant effect on the profitability of banks in Indonesia and/ market power has a positive and significant effect on banks that here diversified moderately.

References

Ammar, N., & Boughrara, A. (2019). The impact of revenue diversification on bank profitability and risk: evidence from MENA banking industry. Macroeconomics and Finance in Emerging Market Economies, 12(1), 36–70. https://doi.org/10.1080/17520843.2018.1535513

Berger, A. N. (2013). The Profit-Strllcture Relationship in Banking Tests of Market-Power and Efficient-Structure Hypotheses. Journal of Money,Credit and Banking, 27(2), 404–431.

Chiorazzo, V., Milani, C., & Salvini, F. (2008). Income diversification and bank performance: Evidence from Italian banks. Journal of Financial Services Research, 33(3), 181–203. https://doi.org/10.1007/s10693-008-0029-4

D Siamat, PN Kusumawardhani, F. A. (2005). Manajemen Keuangan Kebijakan Moneter Dan Perbankan. Jakarta: Lembaga Penerbit Fakultas Ekonomi Universitas Indonesia.

Deyoung, R., & Rice, T. (2004). DeYoung_et_al-2004-Financial_Review.pdf. 39, 101–127.

Deyoung, R., & Roland, K. P. (2001). Product Mix and Earnings Volatility at Commercial Banks: Evidence from a Degree of Total Leverage Model. Journal of Financial Intermediation, 10(1), 54–84. https://doi.org/10.1006/jfin.2000.0305

Elsas, R., Hackethal, A., & Holzhäuser, M. (2010). The anatomy of bank diversification. Journal of Banking and Finance, 34(6), 1274–1287. https://doi.org/10.1016/j.jbankfin.2009.11.024

Febrio Giring Tolangga, M. U. (2019). Asset quality, non-interest income, and bank profitability: Evidence from Indonesia. Economic Modelling, 63(Aprish 2019), 1–14. https://doi.org/10.1016/j.econmod.2017.01.016

Gujarati, D. N., & Porter, D. (2015). Dasar-Dasar Ekonometrika (5th ed.). Salemba Empat.

Hafidiyah, M. N., & Trinugroho, I. (2016). Revenue Diversification, Performance, and Bank Risk: Evidence From Indonesia. Jurnal Dinamika Manajemen, 7(2), 139–148. https://doi.org/10.15294/jdm.v7i2.8198

Hidayat, T.; Masyita, D.; Nidar, S.R.; Ahmad, F.; Syarif, M.A.N. (2022). Early Warning Early Action for the Banking Solvency Risk in the COVID-19 Pandemic Era: A Case Study of Indonesia. Economies, 10, 6. https://doi.org/10.3390/economies10010006

Hidayat, Taufiq Hidyat, Dian Masyita, Sulaeman Rahman Nidar, Fauzan Ahmad, Muhammad Adrissa Nur Syarif.(2021).Early warning early action for the banking solvency risk in the COVID-19 pandemic era: A case study of Indonesia, Economies, Vol. 6,(10). No.1

Hidayat, T. (2016). The impact of financial conglomeration on risk and return performance in Indonesia banking industry. International Journal of Finance, Insurance and Risk Management, 6(2), 1135-1145.

Khurana, I. K., Moser, W. J., & Raman, K. K. (2018). Tax Avoidance, Managerial Ability, and Investment Efficiency. Abacus, 54(4), 547–575. https://doi.org/10.1111/abac.12142

Kolade, S. A., & Mwamba, J. M. (2003). Linking bank regulatory capital buffer to business cycle fluctuations: do revenue diversification, market power and cost of funding matter? Journal of Economic Studies, 30(3–4), 195.

Meslier, C., Tacneng, R., & Tarazi, A. (2014). Is bank income diversification beneficial? Evidence from an emerging economy. Journal of International Financial Markets, Institutions and Money, 31(1), 97–126. https://doi.org/10.1016/j.intfin.2014.03.007

Mirzaei, A., Moore, T., & Liu, G. (2013). Does market structure matter on banks’ profitability and stability? Emerging vs. advanced economies. Journal of Banking and Finance, 37(8), 2920–2937. https://doi.org/10.1016/j.jbankfin.2013.04.031

Mostak Ahamed, M. (2017a). Asset quality, non-interest income, and bank profitability: Evidence from Indian banks. Economic Modelling, 63(October 2016), 1–14. https://doi.org/10.1016/j.econmod.2017.01.016

Mostak Ahamed, M. (2017b). Asset quality, non-interest income, and bank profitability: Evidence from Indian banks. Economic Modelling, 63(Aprish 2019), 1–14. https://doi.org/10.1016/j.econmod.2017.01.016

Nisa, C., Mukri, C., Djamil, A., Ekonomi, F., & Pancasila, U. (2019). Struktur Pasar dan Kinerja: Studi Kasus pada Bank Umum di Indonesia. Jurnal Riset Manajemen Dan Bisnis, 4(3), 375–384. https://doi.org/10.36226/jrmb.v4i3.276

Nisar, S., Peng, K., Wang, S., & Ashraf, B. (2018). The Impact of Revenue Diversification on Bank Profitability and Stability: Empirical Evidence from South Asian Countries. International Journal of Financial Studies, 6(2), 40. https://doi.org/10.3390/ijfs6020040

Paddock, J., Copeland, T. E., & Weston, J. F. (1980). Financial Theory and Corporate Policy. In The Journal of Finance (Vol. 35, Issue 3). https://doi.org/10.2307/2327506

Permana, arif (universitas brawijaya). (2019). PENGARUH STRUKTUR PASAR, EFISIENSI DAN INDIKATOR FUNDAMENTAL PERBANKAN TERHADAP PROFITABILITAS PERBANKAN STUDI KASUS PADA PERBANKAN KONVENSIONAL FAKULTAS EKONOMI DAN BISNIS PENGARUH STRUKTUR PASAR, EFISIENSI DAN INDIKATOR FUNDAMENTAL PERBANKAN TERHADAP PR.

Sanya, S. O., & Wolfe, S. (2011). Can Banks in Emerging Economies Benefit from Revenue Diversification? SSRN Electronic Journal, 2025899598(001). https://doi.org/10.2139/ssrn.1077842

Sanusi, A. (2011). Metodologi Penelitian Bisnis (D. A. Halim (ed.)). Salemba empat

Setiyono, A., Maramis, M. M., & Setianto, R. H. (2019). Peran Diversifikasi Pendapatan pada Pengaruh Kekuatan Pasar terhadap Stabilitas Bank. Al Tijarah, 5(1), 38–45.

Sharma, S., & Anand, A. (2018). Income diversification and bank performance: evidence from BRICS nations. International Journal of Productivity and Performance Management, 67(9), 1625–1639. https://doi.org/10.1108/IJPPM-01-2018-0013

Sparta. 2017. ANALISIS PENGARUH EFISIENSI DAN KECUKUPAN MODAL TERHADAP KINERJA KEUANGAN PADA BANK PEMBANGUNAN DAERAH DI INDONESIA.Jurnal Ekonomi dan Bisnis. Volume 20 No. 1.

Stiroh, K. J., & Rumble, A. (2006). The dark side of diversification: The case of US financial holding companies. Journal of Banking and Finance, 30(8), 2131–2161. https://doi.org/10.1016/j.jbankfin.2005.04.030

Subramanyam, K. . (2017). Analisis Laporan Keuangan (11th ed.). Salemba Empat.

Trung, H. (2021). Diversification and Bank performance: The case of Vietnamese commercial banks. 01(June), 23–34.

Vindytia, M., & Nasution, Y. (2014). Pengaruh Kekuatan Pasar terhadap Kinerja Bank Umum Konvensional di Indonesia Periode 2004-2012.

Wahyu widiasari, F., & rini demi pangestuti, I. (2015). 済無No Title No Title No Title. PENGARUH STRUKTUR PASAR, KOMPETISI, DIVERSIFIKASI, KAPITALISASI, RISIKO KREDIT, DAN SIZE TERHADAP PROFITABILITAS BANK, 4, 2013–2015.

Zalfa, Alifira Nabila , Nova Novita. 2021. Green Intellectual Capital dan Sustainable Performance. InFestasi. Vol. 17 No. 2 Desember 2021. Hal. 93-104

PENGARUH DIVERSIFIKASI PENDAPATAN DAN MARKET POWER TERHADAP PROFITABILITAS PADA PERBANKAN DI INDONESIA (STUDI PADA BANK UMUM KONVENSIONAL DI INDONESIA PERIODE 2016-2020)

Authors

Keywords:

Abstract

References

Downloads

Published

Issue

Section

License