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All Journal JURNAL MANAJEMEN BISNIS J-CEKI
Indriyantini, Dhiya Faza
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Humanities Economics, Econometrics & Finance Social Sciences

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The Effect of Income Diversification on Default Risk in Conventional Banking Companies in Indonesia Tambunan, Alexandria Leonard; Indriyantini, Dhiya Faza; Puspita, Grace Febiola; Lestari, Henny Setyo
Jurnal Manajemen Bisnis Vol. 11 No. 2 (2024): September
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/jmb.v11i2.791

Abstract

This study aims to identify variables that affect the risk of bankruptcy in banks listed on the Indonesia Stock Exchange. The research method includes collecting data from 36 listed banks on the Indonesia Stock Exchange over a 5-year period (2018-2022) and using the panel data regression analysis method. The addition of novelty variables in this study, namely bank size, net interest margin, and deposit to total assets that have a negative effect on bankruptcy risk, while the diversification index and gross domestic product variables have no effect on bankruptcy risk. the implication for bank managers is as a reference and consideration in implementing income diversification strategies. this research also provides information that is expected to be used as reference material and expand information and insight in developing research in the banking sector.
Faktor-Faktor yang Mempengaruhi Profitabilitas pada Perusahaan Asuransi Umum di Indonesia Indriyantini, Dhiya Faza; Karnasi, Reniati
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 4: Juni 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i4.9203

Abstract

Penelitian ini memiliki tujuan untuk menganalisis faktor-faktor yang mempengaruhi profitabilitas pada perusahaan asuransi umum di Indonesia. Faktor internal diukur menggunakan age of the company, liquidity ratio, leverage ratio, tangibility of asset, premium growth, loss ratio, managerial efficiency, serta size of the company. Faktor makroekonomi diukur menggunakan pertumbuhan GDP dan tingkat inflasi. Profitabilitas sebagai variabel dependen diukur menggunakan return on assets (ROA). Sampel yang digunakan sebanyak 41 perusahaan asuransi umum yang terdaftar di Otoritas Jasa Keuangan dan Bursa Efek Indonesia selama lima tahun periode 2019-2023. Teknik pengambilan sampel yang digunakan adalah purposive sampling dan metode analisis regresi data panel. Premium growth memiliki pengaruh positif terhadap profitabilitas, sedangkan tangibility of asset dan loss ratio memiliki pengaruh negatif terhadap profitabilitas. Selain itu, ditemukan hasil bahwa age of the company, liquidity ratio, leverage ratio, managerial efficiency, size of the company, growth rate of gross domestic product (GDP), serta inflation rate tidak memiliki pengaruh terhadap profitabilitas. Diharapkan manajer perusahaan asuransi umum untuk dapat mempertahankan dan meningkatkan premium growth serta meminimalisir tangibility of asset dan loss ratio agar profitabilitas meningkat. Premium growth yang besar menjadi pertanda baik untuk investor karena hal tersebut memiliki arti bahwa perusahaan memiliki profitabilitas yang baik.
Co-Authors Karnasi, Reniati Lestari, Henny Setyo Puspita, Grace Febiola Tambunan, Alexandria Leonard