Dampak Diversifikasi Pendapatan terhadap Risk-Adjusted Profitabilitas dan Stabilitas Bank Konvensional di Indonesia
(1) Universitas Diponegoro
(2) Universitas Diponegoro
(*) Corresponding Author
Abstract
Diversifikasi pendapatan pada perbankan menawarkan berbagai peluang dan ancaman. Penelitian akademis baru-baru ini menunjukkan bahwa bank akan mengalami kemungkinan kerugian lebih besar daripada keuntungan, baik dalam hal volatilitas profitabilitas dan risiko bank. Literatur mengenai topik ini di negara berkembang masih terbatas khususnya Indonesia. Tujuan penelitian ini adalah untuk menganalisis pengaruh diversifikasi pendapatan terhadap profitabilitas yang disesuaikan dengan risiko dan stabilitas pada bank umum konvensional. Kami menggunakan kumpulan data 9 bank umum konvensional yang terdaftar pada Bursa Efek Indonesia (BEI) pada periode 2011-2020 menggunakan uji regresi Ordinary Least Square (OLS). Kami menemukan bahwa tidak terdapat pengaruh antara diversifikasi pendapatan terhadap profitabilitas yang disesuaikan dengan risiko dan stabilitas bank konvensional.
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DOI: https://doi.org/10.36587/probank.v6i2.1020
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