Hasil Pencarian  ::  Simpan CSV :: Kembali

"Penelitian ini bertujuan untuk menganalisa pengaruh non interest income terhadap kinerja sektor perbankan di negara-negara ASEAN 5 dengan proksi Return of Assets (ROA) dan juga Return of Equity (ROE). Teknik estimasi penelitian menggunakan fixed effect model. Dengan menggunakan sampel 68 bank listed di bursa-bursa negara anggota 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 2008-2012, penulis menemukan bahwa kenaikan pada non interest income memiliki pengaruh negatif terhadap kinerja sektor perbankan. Hal ini dikarenakan bank yang lebih fokus dengan non interest income justru membuat competitive performance dalam persaingan pasar kredit antar banknya melemah.

---

This research aims to examine how an increase in non interest income affects a bank’s performance which is reflected in its Return on Assets (ROA) and Return on Equity (ROE). Using 68 banks listed in ASEAN 5 countries’ stock exchanges which are Bursa Efek Indonesia (IDX), Bursa Malaysia (KLSE), Singapore Exchange (SGX), Stock Exchange of Thailand (SET), and Philippine Stock Exchange (PSE) for 2008-2012 as samples, it was discovered that an increase in non interest income negatively affects bank performance. Bank with a higher non interest income tends to be too focused in increasing its non interest income. Therefore, its competitive performance in credit market competition, which is its main source of revenues, weakens."

"[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 menganalisis pengaruh Corporate Social Responsibility CSR terhadap kinerja kuangan perusahaan, pada perusahaan non-keuangan di kawasan ASEAN-5 Indonesia, Malaysia, Singapura, Thailand, dan Filipina selama periode 2012-2016.Penelitian ini menggunakan model regresi Fixed Effect Model.Hasil penelitian menunjukkan bahwa Corporate Social Responsibility CSR memiliki hubungan negatif dan signifikan terhadap kinerja keuangan perusahaan-perusahaan non-keuangan di kawasan ASEAN-5. Artinya adalah, perusahaan yang memiliki CSR yang tinggi, akan menurunkan kinerja keuangan perusahaan.

---

The objective of this research is to analyze the impact of Corporate Social Responsibility CSR to the financial performance of the company, on non financial companies in the ASEAN 5 regions such as Indonesia, Malaysia, Singapore, Thailand and Philippines during the period 2012 2016. This research uses regression model of Fixed Effect Model. The results show that Corporate Social Responsibility CSR has a negative and significant relationship to the financial performance of non financial companies in the ASEAN 5 region. This means that, companies that have a high CSR, will reduce the company 39s financial performance."

"Penelitian ini dilakukan untuk mengetahui hubungan antara diversifikasi produk dengan risiko bank pada periode 2008-2015. Penelitian ini menggunakan metode balanced panel dengan data tahunan 50 bank umum yang terdiri atas 25 bank umum besar dan 25 bank umum kecil.Hasil analisis pada penelitian ini memperlihatkan efek dari diversifikasi produk terhadap risiko bergantung pada besaran size bank, lebih spesifiknya diversifikasi produk memiliki hubungan yang negatif dengan risiko bank pada bank yang berukuran besar. Jika aktivitas pendapatan non bunga dibagi menjadi aktivitas komisi dan aktivitas trading maka terdapat hasil positif dan signifikan terhadap risiko perbankan di Indonesia dan aktivitas komisi memiliki hubungan lebih jelas terhadap risiko bank besar dan bank kecil dibandingkan aktivitas trading.Hasil penelitian ini sejalan dengan penelitian-penelitian terdahulu yang dilakukan pada negara berkembang. Melalui penelitian ini bank besar di Indonesia perlu lebih terlibat dalam aktivitas pendapatan non bunga karena adanya benefit atas diversifikasi, sedangkan bank kecil memerlukan peningkatan manajemen risiko agar bisa mengurangi risiko yang ditimbulkan dari aktivitas pendapatan non bunga.

---

This study aims to examine the relationship between product diversification and Indonesian commercial banking risk in 2008 2015. This study use balanced panel data methodology and annual data of 50 Indonesian commercial banking that consists of 25 large banks and 25 small banks.The analysis from this study shows clear evidence that the effect of product diversification on bank risk depends highly with bank 39 s asset size. Specifically, the degree of diversification product is negatively associated with bank risk for large banks. When product diversification divided into commission and trading activities, the result shows positive and significant relationship with indonesian commercial bank risk. In addition, commission activities shows clearer relationship rather than trading activities towards Indonesian large and small commercial bank risk.This finding seems consistent with previous studies in developing country and suggest that large banks in Indonesia must become more involved in non traditional activities because they gain the benefit of diversification. As for small banks, they need to improve their risk management if they want to become more involved in non interest income activities."

"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."

"[ABSTRAKStabilitas 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.

---

ABSTRACTThe 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., 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 membahas mengenai pengaruh disclosure yang dilakukan sebuah perusahaan pada hubungan kinerja CSR yang bertanggung jawab CSR strength dan tidak bertanggung jawab CSR concern dengan nilai perusahaan tersebut berdasarkan sektor industrinya yang berada dalam kategori sensitif atau non-sensitif. Sampel data yang digunakan adalah perusahaan-perusahaan non-keuangan yang terdaftar di bursa efek negara Thailand, Indonesia, Malaysia, Filipina, dan Singapura sejak tahun 2006 hingga 2015. Dari penelitian ini, ditunjukkan adanya hubungan yang signifikan antara disclosure atas setiap kinerja CSR dengan nilai perusahaan di perusahaan-perusahaan berindustri sensitif, sedangkan pada perusahaan-perusahaan berindustri non-sensitif, hanya disclosure atas kinerja CSR concern saja yang signifikan.

---

This research discusses the influence of disclosure done by a firm on CSR strength and CSR concern with the value of the firm based on its industrial sector which is in the sensitive or non sensitive category. The sample data used are non financial companies listed on the stock exchanges of Thailand, Indonesia, Malaysia, Philippines, and Singapore from 2006 to 2015. From this study, there is an indication of significant relationship between disclosure on all CSR performance with firm value in firms on sensitive industries, whereas firms on non sensitive industries only have a significant relationship on disclosure of CSR concern performance."

"Penelitian ini bertujuan untuk menganalisis tingkat volatilitas dari pendapatan bunga dan pedapatan non-bunga perusahaan perbankan terbuka di Indonesia selama periode 2010-2016. Sampel yang digunakan terdiri dari 30 perusahaan perbankan yang terdaftar di Bursa Efek Indonesia. Dalam mengukur tingkat volatilitas sumber pendapatan digunakan dua metode yaitu Coefficient of Variation (CV) dan Risk Adjusted Performance (RAP). Uji korelasi juga dilakukan untuk menganalisis manfaat diversifikasi dari pendapatan non-bunga. Analisis dalam penelitian ini ditekankan pada pengembalian pemegang saham sehingga semua variabel  pendapatan diukur sebagai presentase pengembalian atas ekuitas dan total aset. Hasil penelitian menunjukan bahwa pendapatan non-bunga dapat memberikan manfaat diversifikasi bagi pendapatan bank. Namun, pendapatan non-bunga memiliki tingkat volatilitas yang lebih tinggi jika dibandingkan dengan pendapatan bunga. Selain itu, pendapatan bunga memiliki tingkat volatilitas yang lebih tinggi jika dibandingkan dengan total pendapatan dan pendapatan bunga memiliki tingkat volatilitas yang lebih rendah jika dibandingkan dengan return on equity before tax.

---

This study aims at analyzing the volatility level of interest income and non-interest income of Indonesian listed banks during the period of 2010-2016. The sample used consisted of 30 banking companies listed on the Indonesia Stock Exchange. Two methods are used to measure the volatility of interest and non-interest income, namely Coefficient of Variation (CV) and Risk Adjusted Performance (RAP). A correlation test is also conducted to analyze the diversification benefit of non-interest income. This study emphasizes on shareholders return whereby income variables are measured as a percentage of return on equity and total assets. The results show that non-interest income can provide diversification benefit for bank income. However, non-interest income has a higher volatility when it is compared to interest income. In addition, interest income has a higher volatility rate when it is compared to total revenue and interest income has a lower volatility rate when it is compared to return on equity before tax."

"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"