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"[Penelitian ini menguji pengaruh konsentrasi portofolio kredit bank terhadap profitabilitas efisiensi dan risiko kredit bank yang masing masing menggunakan proksi ROA BOPO serta NPL dan LLP selama periode 2010-2014. Penelitian ini menggunakan rasio Herfindahl Hirshmann Index HHI dan Absolute Distance Measure AD sebagai proksi konsentrasi kredit. Dengan menggunakan metode Fixed Effect Model dan sampel sebanyak 29 bank umum konvensional selama 5 periode ditemukan bahwa konsentrasi portofolio kredit berpengaruh signifikasn positif terhadap ROA bank dan berpengaruh signifikan negatif terhadap NPL LLP dan BOPO.

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This research intend to examine the effect of loan portfolio concentration on Indonesian banks profitability efficiency and credit risk using banks ROA Cost Efficiency BOPO also NPL and LLP as the proxy for each variable over the period 2010-2014. This research incorporating the Herfindahl Hirshmann Index HHI and Absolute Distance Measure AD to measure loan concentration. Using Fixed Effect Model with sample size of 29 banks over the period of 5 years it is found that loan portfolio concentration is significantly positive affecting banks ROA and significantly negative affecting banks NPL LLP and Cost Efficiency., This research intend to examine the effect of loan portfolio concentration on Indonesian banks rsquo profitability efficiency and credit risk using banks rsquo ROA Cost Efficiency BOPO also NPL and LLP as the proxy for each variable over the period 2010 2014 This research incorporating the Herfindahl Hirshmann Index HHI and Absolute Distance Measure AD to measure loan concentration Using Fixed Effect Model with sample size of 29 banks over the period of 5 years it is found that loan portfolio concentration is significantly positive affecting banks rsquo ROA and significantly negative affecting banks rsquo NPL LLP and Cost Efficiency Keywords loan portfolio composition focus diversification bank return bank credit risk bank efficiency]"

"Skripsi ini bertujuan untuk menguji teori perbankan tradisional dan teori keuangan perusahaan, dengan menganalisis pengaruh konsentrasi portofolio kredit terhadap return dan risiko 47 bank di Indonesia periode 2010-2014. Dengan menggunakan analisis panel data, secara umum, ditemukan bahwa konsentrasi portofolio kredit tidak mempengaruhi return. Ketika kepemilikan bank diperhitungkan, ditemukan bahwa bank swasta memperoleh return lebih tinggi dari konsentrasi portofolio kredit berdasarkan sektor ekonomi daripada bank lainnya. Sementara itu, cara masuk bank asing tidak mempengaruhi return. Temuan selanjutnya mendukung teori keuangan perusahaan, yaitu konsentrasi portofolio kredit berpengaruh negatif terhadap risiko, terlepas dari aspek kepemilikan bank dan cara masuk bank asing. Secara khusus, terdapat indikasi bahwa konsentrasi portofolio kredit meningkatkan kinerja bank swasta.

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This study tests both of theory of traditional banking and theory of corporate finance, by examining the impact of loan portfolio concentration on 47 Indonesian conventional banks? return and risk over 2010-2014. Using panel data analysis, the results show that in general, loan portfolio concentration does not affect banks? return. When different types of bank ownership is taken into account, we find that private banks generate higher profit from loan portfolio concentration based on economic sectors than other banks. However, no evidence of foreign banks? mode of entry effect on return is found. Furthermore, this study indicates the existence of theory of corporate finance, where we find that loan portfolio concentration negatively affects bank?s risk regardless its type of ownership and mode of entry. In particular, loan portfolio concentration seems to improve the performance of private banks."

"ABSTRAKTesis ini membahas mengenai pengaruh dari konsentrasi atau diversifikasi portofolio kredit terhadap return dan risiko bank yang telah go public di Indoneisa. Penelitian bersifat kuantitatif dengan menggunakan laporan keuangan dari tahun 2007 kuartal 1 sampai 2010 kuartal 4. Data yang digunakan diambil dari laporan keuangan yang terdapat Catatan atas Laporan Keuangan di dalamnya. Hasil regresi menunjukan bahwa konsentrasi portofolio kredit tidak memiliki pengaruh terhadap return bank. Hasil regresi menggunakan ukuran konsentrasi Shannon Entrophy menunjukan bahwa konsentrasi portofolio kredit berpengaruh positif terhadap risiko gagal bayar bank. Penelitian ini juga tidak menemukan perilaku U-shaped atas return dan konsentrasi portofolio kredit dengan menggunakan fungsi risiko.

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ABSTRACT

The aim of this study is to explore the effect of concentration of loan portfolio on bank returns and risks for bank that have gone public in Indoneisa. This study use financial statements from 1st quarter 2007 to 4th quarter 2010. The data for this study are taken from Notes to The Financial Statements. Regression results show that loan portfolio concentration has no effect on bank return. Regression results using Shannon Entrophy for concentration measure show that loan portfolio concentration has positive effect on default risk of bank. This study found there is no U-shaped behavior on return and loan portfolio concentration using risk function."

"Tesis ini menguji mengenai pengaruh strategi bank dalam menyalurkan kredit konsenterasi atau diversifikasi terhadap return dan risiko yang telah go public di Indonesia. Penelitian bersifat kuantitatif dengan menggunakan laporan keuangan dari tahun kuartal I 2009 sampai dengan kuartal IV 2013. Data yang digunakan berasal dari catatan atas laporan keuangan laporan audited masing ? masing bank. Hasil regresi menunjukkan bahwa konsentrasi portofolio kredit memiliki pengaruh terhadap return bank. Hasil regresi menggunakan tingkat konsentrasi dengan HHI Hirshman-Herfindahl Index tidak berpengaruh positif terhadap risiko gagal bayar.

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This thesis examined the effect of the bank's strategy in leding, concentration or diversification of the returns and risks for bank that have gone public in Indonesia. Quantitative research using the financial statements of the 1st quarter of 2009 to the 4th quarter of 2013. The data used comes from the notes to the audited consolidated financial statements of each - each bank. Regression results show that the concentration of the loan portfolio has influence on the bank return. Regression results using the HHI concentration levels Hirshman-Herfindahl Index is not significant effect on the risk of default."