PENGARUH INCOME DIVERSIFICATION, CAPITAL REGULATION, CORPORATE GOVERNANCE DAN INEFFICIENCY PADA PENGAMBILAN RISIKO PERBANKAN DI INDONESIA
DOI:
https://doi.org/10.35794/jmbi.v9i3.43170Abstract
AbstrakÂPenelitian ini bertujuan untuk menguji pengaruh diversifikasi pendapatan, regulasi modal, tata kelola perusahaan, ketidakefisienan (BOPO) bank dapat mempengaruhi pengambilan risiko perbankan di indonesia. Data dalam penelitian ini menggunakan data sekunder yang bersumber dari laporan keuangan tahunan perusahaan perbankan yang terdaftar di BEI periode 2013 - 2020. Pemilihan sampel dilakukan dengan cara purposive sampling sehingga diperoleh 24 perusahaan yang menjadi sampel. Variabel dependen dalam penelitian ini yaitu pengambilan risiko bank. Variable independent dalam penelitian ini yaitu diversifikasi pendapatan, regulasi modal, tata kelola perusahaan, inefisiensi (BOPO). Analisis data yang digunakan untuk uji hipotesis yaitu analisis regresi data panel dengan menggunakan program Eviews 10. Hasil penelitian menunjukkan bahwa diversifikasi pendapatan dan regulasi modal berpengaruh positif terhadap pengambilan risiko bank. Ukuran dewan tidak berpengaruh terhadap pengambilan risiko bank. Dewan independent dan inefisiensi (BOPO) signifikan dan berpengaruh negative terhadap pengambilan risiko bank.Â
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Kata Kunci: diversifikasi pendapatan; inefisiensi (BOPO); regulasi modal; tata kelola perusahaa; pengambilan risiko bank
 AbstractÂ
This study aims to examine the effect of income diversification, capital regulation, corporate governance, bank inefficiency (BOPO) can affect banking risk taking in Indonesia. The data in this study uses secondary data sourced from the annual financial statements of banking companies listed on the IDX period during 2013 - 2020. The sample selection was carried out by purposive sampling so that 24 companies were sampled. The dependent variable in this study is bank risk taking. The independent variables in this study are income diversification, capital regulation, corporate governance, inefficiency (BOPO). The data analysis used to test the hypothesis is panel data regression analysis using the Eviews 10 program. The results show that income diversification and capital regulation have a positive effect on bank risk taking. Board size has no effect on bank risk taking. Independent board and inefficiency (BOPO) are significant and have a negative effect on bank risk taking.
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Keyword : banking risk taking; capital regulation; corporate governance; income diversification; inefficiency ( BOPO )
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