PENGARUH STRUKTUR KEPEMILIKAN BANK DALAM PENGAMBILAN RISIKO BANK DI INDONESIA (RISK-TAKING)
DOI:
https://doi.org/10.30737/risk.v5i1.5787Keywords:
Bank Ownership, risk takingAbstract
Another function of the bank is as a trust service in which the bank carries out money transfers. The function of banks illustrates that the existence of banks is important in a country's economy. Government ownership tends to be more difficult to reject government interference through decision making and policy, while privately owned banks tend to be more able to reject or oppose government policies that are expected to disrupt the running of the company. This research uses 3 (three) types of variables, namely, dependent, independent and control variables. The dependent variable in this research is the risk taking carried out by the bank, and the independent variable in this research is the bank ownership structure. Meanwhile, the control variables are bank size, bank efficiency, bank loan to deposits ratio (LDR), and bank capital adequacy ratio (CAR). regression test using a robustness check with the dependent variable bank risk taking (LnZscore) it can be concluded that the independent variable bank ownership structure (Ownership) has no significant effect on bank risk taking (LnZscore).
References
Adhim, C. (2018). Pengaruh Risiko Kredit, Risiko Likuiditas, Efisiensi Manajemen Terhadap Profitabilitas Melalui Permodalan. Jurnal Bisnis dan Manajemen Vol. 5 No.1.
Barry, T., Lepetit, L., & Tarazi, A. (2021). Ownership structure and risk in publicly held and privately owned banks. Journal of Banking & Finance, 35, 1327-1340.
Berger, A. N., George, R. C., Robert, C., Leora, K., & Gregory, F. U. (2018). Corporate governance and bank performance: A joint analysis of the static, selection, and dynamic effects of domestic, foreign, and state ownership. Journal of Banking & Finance, 29, 2179-2221.
Dayana, P. (2019). Analisis Risiko Pasar, Risiko Kredit, Risiko Operasional Dan Kecukupan Modal Terhadap Kinerja Keuangan Bank Pembangunan Daerah Se-Indonesia Periode 2012-2017. Jurnal EMBA, 7, 3798-3807.
Desiko, N. (2020). Pengaruh Risiko Kredit, Risiko Pasar Dan Risiko Likuiditas Terhadap Kinerja Keuangan Perbankan. Journal Competency of Business, 3-4.
Hariasih, S. &. (2018). Manajemen Perbankan. Sidoarjo: UMSIDA Press.
Indonesia tahun 2001-2016. Hasanuddin Journal of Applied Business and Entrepreneurship, 1(2), 73-86.
Korompis, R. R. N., Murni, S., & Untu, V. N. (2020). Pengaruh Risiko Pasar (NIM), Risiko Kredit (NPL), Dan Risiko Likuiditas (LDR) Terhadap Kinerja Keuangan Perbankan (ROA) Pada Bank Yang Terdaftar Di LQ 45 Periode 2012-2018. Jurnal EMBA, Vol. 8, hlm. 175-184.
Masruroh, S. (2019). Pengaruh Risiko Pembiayaan, Risiko Pasar, Risiko Likuiditas Dan Risiko Operasional Terhadap Kinerja Keuangan (ROA) Pada Bank Umum Syariah Dan Unit Usaha Syariah di Indonesia Periode 2014-2018.
Muliana, K. (2019). Risiko Kredit, Risiko Operasional, Dan Kinerja Keuangan Perusahaan Perbankan Yang Terdaftar Di Bursa Efek Indonesia. Jurnal Ekonomi dan Manajemen, 1-10.
Munandar, A. (2021). Pengaruh Risiko Pasar, Risiko Kredit Dan Risiko Operasional Terhadap Kinerja Keuangan Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia Periode 2017-2020.
Otoritas Jasa Keuangan. Diakses Pada 28 Oktober 2023, dari https://www.ojk.go.id/id/Default.aspx
Ramadhan, N. A. (2018). Pengaruh Risiko Kredit, Risiko Likuiditas, dan Risiko Pasar Terhadap Profitabilitas Perusahaan Perbankan Yang Terdaftar Di Bursa Efek Indonesia (BEI) Tahun 2013-2017.
Ramadhani, V. (2020). Pengaruh Risiko Kredit, Risiko Pasar, Risiko Likuiditas, dan Risiko Operasional Terhadap Kinerja Keuangan Perbankan (Studi Empiris Pada Perbankan Yang Terdaftar Di Bursa Efek Indonesia Tahun 2017-2019).
Tran, D. V., Hassan, K., & Houston, R. (2019). Ownership structure and bank risk: The effects of crisis, market discipline and regulatory pressure. North American Journal of Economics & Finance.
Zulkifli, S., Muhammad, A., & Andi, A. (2018). Analisis faktor-faktor yang berpengaruh terhadap loan to funding ratio pada bank komersil yang terdaftar di Bursa Efek
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Setyo Hartono
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with RISK : Jurnal Riset Bisnis dan Ekonomi agree to the following terms:
1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
2. Authors can enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) before and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).