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All Journal Jurnal Ekonomi : Journal of Economic Jurnal Keuangan dan Perbankan Kinerja Jurnal El-Riyasah : Jurnal Kepemimpinan dan Administrasi Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Jurnal Ilmu Manajemen (JIMMU) SULTANIST: Jurnal Manajemen dan Keuangan Indonesian Journal of Accounting and Governance Journal of Enterprise and Development (JED) Jurnal Informatika Ekonomi Bisnis Jurnal Ilmiah Manajemen Kesatuan Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Terapan Manajemen dan Bisnis Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Jurnal Akuntansi, Manajemen, Bisnis dan Teknologi Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat Jurnal Manajemen Bisnis dan Organisasi Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Ekonomi Pembangunan, Manajemen & Bisnis, Akuntansi Innovative: Journal Of Social Science Research Jurnal Informatika Ekonomi Bisnis El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Indonesian Journal of Accounting and Governance
Fadli, Jul Aidil
Faculty Of Economics And Business, University Of Esa Unggul
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Journal : Kinerja

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SHOULD BANK DIVERSIFY THEIR INCOME AND CREDIT? EVIDENCE FROM INDONESIA BANKING INDUSTRY Fadli, Jul Aidil
KINERJA Vol 23, No 1 (2019): KINERJA
Publisher : Faculty of Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (886.487 KB) | DOI: 10.24002/kinerja.v23i1.2124

Abstract

This study aims to examine the effect of income and credit diversification toward bank risk and performance. In this study, diversification was measured using Adjusted Herfindahl-Hirschman Index (AHHI). Bank risk is measured by the standard deviation of ROA, standard deviation of ROE, Z-Score, Nonperforming Loan and Beta. Meanwhile, bank performance is measured by Return on Assets, Return on Equity, risk adjusted ROA and risk adjusted ROE. The robustness test completes this study by dividing the sample into low and high diversified bank. By using panel data of 53 listed and non listed Indonesian banks from 2011 to 2015, the results show that banks get benefit through the implementation of income diversification. Conversely, banks are badly affected through the implementation of loan diversification as it can increase risk and decrease bank performance. The results suggest bank to maximize income diversification by increasing the proportion of non-interest income in the income structure. Furthermore, banks should focus credit distribution that best suits their capabilities.Keywords: bank, credit, diversify, interest income
SHOULD BANK DIVERSIFY THEIR INCOME AND CREDIT? EVIDENCE FROM INDONESIA BANKING INDUSTRY Jul Aidil Fadli
KINERJA Vol. 23 No. 1 (2019): KINERJA
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v23i1.2124

Abstract

This study aims to examine the effect of income and credit diversification toward bank risk and performance. In this study, diversification was measured using Adjusted Herfindahl-Hirschman Index (AHHI). Bank risk is measured by the standard deviation of ROA, standard deviation of ROE, Z-Score, Nonperforming Loan and Beta. Meanwhile, bank performance is measured by Return on Assets, Return on Equity, risk adjusted ROA and risk adjusted ROE. The robustness test completes this study by dividing the sample into low and high diversified bank. By using panel data of 53 listed and non listed Indonesian banks from 2011 to 2015, the results show that banks get benefit through the implementation of income diversification. Conversely, banks are badly affected through the implementation of loan diversification as it can increase risk and decrease bank performance. The results suggest bank to maximize income diversification by increasing the proportion of non-interest income in the income structure. Furthermore, banks should focus credit distribution that best suits their capabilities.Keywords: bank, credit, diversify, interest income
Co-Authors Afilia Filaili Wahyuni Alfiani, Dewi Fortuna Ayuningtyas, Ari Hartanti Carolina, Tyasa Diana Fajarwati Hafifah Rahmanisah Ika Baskara Ika Widayani Imanuel Madea Sakti Kusherawati, Septia Kusuma, Jessy Wijaya Liana, Eva Lita Mahardhika, Miranda Mahrita, Ani Mitha Goshita Purwaningsih Pradila, Adhi Tyas Pratama, Achmad Difa Puji Astuti Purnamasari, Dita Satriana Purwaningsih, Mitha Goshita Purwoko, Agus Ray Farandy Suhardi Ray Farandy Suhardi Suhardi Rizky Sihaloho Sapto Jumono Siregar, Sarah Veronica Sumarni, Iseu Susilowati, Nofi Tyasa Carolina WIDAYANI, IKA