TINJAUAN STABILITAS KEUANGAN BANK MELALUI TINGKAT PERSAINGAN DAN DIVERSIFIKASI PENDAPATAN: STUDI PADA BANK UMUM YANG TERDAFTAR DI BURSA EFEK INDONESIA

Nova Nova
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Abstract

This study investigated the relationship between the level of competition between banks and revenue diversification on financial stability of commercial banks during 2008- 2013. The level of competition in this study measured by the market share of net interest income. Revenue diversification measured using Hirscman Herfindhal Index, while the bank's financial stability is measured by ZScore for banking industry. Models were analyzed using a fixed effect regression models. The results showed that the bank samples is vurnerable to the intense of competition. Although the research sample has relatively high market share, but its has not shown the resilience to face the competition. Low level of revenue diversification on bank samples showed that they did not implement a diversification strategy, then can not gain benefit from revenue diversification strategy
通过竞争和收入多样化的水平对银行财务稳定的评估:在印尼证券交易所注册的公共银行的研究
本研究考察了2008- 2013年银行间竞争水平与商业银行收入多元化对财务稳定性的影响关系。本研究中的竞争水平以净利息收入的市场份额来衡量。收入多元化采用赫斯曼赫芬达指数衡量,银行财务稳定性采用银行业ZScore衡量。采用固定效应回归模型对模型进行分析。结果表明,银行样本容易受到激烈竞争的影响。虽然本研究样本具有较高的市场占有率,但其在面对竞争时并未表现出适应力。银行样本的收入多元化水平较低,说明银行没有实施多元化战略,因此无法从收入多元化战略中获得收益
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