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All Journal TSARWATICA (Islamic Economic, Accounting, and Management Journal)
E Wityasminigsih
PIKSI Ganesha Bandung, Indonesia
Religion Economics, Econometrics & Finance

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The impact of Income Diversification on Performance and Risk Taking: Case in Indonesia’s Shariah Banking during covid-19 Indra Maulana; Estu Widarwati; Nunik Nurmalasari; E Wityasminigsih
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol 4 No 2 (2023)
Publisher : STIESA Press

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Abstract

The banking development is increasingly rapid and competition is an important aspect for maintaining the existence of a bank that can achieved by income optimalizing and minimazing of risk taking. This study examines the effect of income diversification on sharia bank’s performance, and also aims to test the effect of income diversification on performance and risk taking. The sharia bank’s performance proxied by return on equity and measurement of risk-taking using z-score. The samples are sharia banks registered in the financial services authority during 2019-2020. We use the descriptive statistic analysis and panel data regression processed by eviews 9. We found that income diversification not effect on both of performance and risk taking. During covid, sharia bank tends to have lower income diversification as same as lower performance, but having higher risk taking.
THE EFFECT OF DIVERSIFICATION ON PERFORMANCE AND RISK (Case on Shariah Bank in Indonesia Period 2019-2020) Shinta Qurrota Aini; Estu Widarwati; Nunik Nurmalasari; E Wityasminigsih
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol 5 No 1 (2023)
Publisher : STIESA Press

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Abstract

Banks has been able to increase its capability by diversified their services and invesment hat implicate increasing their credit risk, market risk, operational risk, liquidity risk, legal risk, strategic, compliance risk, and reputation risk. This study aims to examine the impact of diversification on the bank performance which risk as moderation variable. Samples used are 10 sharia banks listed in Authority Indonesian Authority Service (OJK) during 2019-2020. Income diversification as proxy bank diversification, bank performance measured by Return on Equity (ROE), and Z-score used to measure the bank risk. The results showed there is no significant impact of diversification on the bank performance and bank risk. Anyway, bank should keep the quality in good condition for improving the performance and minimizing the risk based on macro factor consideration such abnormal economic affected pandemic.
Co-Authors Estu Widarwati Indra Maulana Nunik Nurmalasari Shinta Qurrota Aini