Pengaruh profitabilitas, diversifikasi aset, pendapatan, dan pendanaan terhadap stabilitas bank

Adelia Nidyanti; Siti Kustinah

doi:10.32534/jpk.v11i2.5591

Authors

Adelia Nidyanti Fakultas ekonomi dan bisnis, Universitas Jenderal Achmad Yani Bandung
Siti Kustinah Fakultas ekonomi dan bisnis, Universitas Jenderal Achmad Yani Bandung

DOI:

https://doi.org/10.32534/jpk.v11i2.5591

Abstract

Sistem perbankan memegang peran sentral dalam menjaga stabilitas ekonomi sebuah negara. Pada tahun 2008 sampai 2009 terjadi krisis keuangan yang mengajarkan pentingnya diversifikasi bank demi menjaga stabilitas bank. Penelitian ini bertujuan melihat hubungan antara profitabilitas, diversifikasi pendapatan, aset, pendanaan, terhadap stabilitas bank konvensional dan bank syariah dengan menggunakan variabel moderasi tata kelola. Penelitian ini menggunakan analisis regresi data panel efek tetap pada 54 bank yang terdiri dari 29 bank konvensional dan 25 bank syariah di wilayah Asia dari tahun 2012-2019. Penelitian sebelumnya menggunakan sampel bank di wilayah Timur Tengah dan Afrika Utara (MENA) dan membahas hubungan diversifikasi secara terpisah antara diversifikasi aset, pendapatan, dan dana terhadap stabilitas bank konvensional. Penelitian ini berusaha melihat secara keseluruhan hubungan tersebut dari perspektif bank konvensional dan bank syariah dengan menggunakan sampel bank di wilayah Asia. Penelitian ini memberikan wawasan tentang peran diversifikasi pada stabilitas bank untuk meningkatkan keberlanjutan dan ketahanan industri perbankan di wilayah Asia.

Keywords:

Diversifikasi, Pendapatan, Pendanaan, Stabilitas, Bank Syariah

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