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Windy Priga Oktini
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STRUKTUR KEPEMILIKAN DAN PENGAMBILAN RISIKO BANK Rahmat Setiawan; Windy Priga Oktini; Abdul Malik Akmal
Media Bina Ilmiah Vol. 20 No. 2: September 2025
Publisher : LPSDI Bina Patria

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Abstract

The purpose of this research is to examine the influence of ownership structure on bank risk-taking in the Indonesian banking industry. This study uses a multiple linear regression model with data from 2012 to 2016. The independent variables are bank ownership (private and government) and ownership concentration (concentrated and non-concentrated). The dependent variable is bank risk-taking measured by credit risk (NPL) and insolvency risk (1/ZSCORE). The results show that bank ownership has a significant negative effect on risk-taking, while ownership concentration has a significant positive effect