Peran penting bank efficiency dalam memediasi pengaruh income diversification dan bank liquidity terhadap bank performance
DOI:
https://doi.org/10.53088/jadfi.v2i2.48Keywords:
Income Diversification, Bank Liquidity, Bank Efficiency, Bank PerformanceAbstract
This study aims to determine the effect of income diversification and bank liquidity on bank performance with bank efficiency as an intervening variable in Islamic Commercial Banks in Indonesia in 2010-2019. The results show that income diversification has a positive and insignificant effect on bank performance, bank liquidity has a positive and insignificant effect on bank performance, income diversification has a positive and significant effect on bank efficiency, bank liquidity has a positive and insignificant effect on bank efficiency, bank efficiency has a negative and significant effect on bank efficiency.
References
Abdulkabir, S. A. (2020). Influence of Internal Factors on the Financial Performances: An Empirical Study on Nigerian Deposit Money Banks. Journal of Economics, Finance and Management Studies, 03(12), 202–212. https://doi.org/10.47191/jefms/v3-i12-01
Adiyanti, S. K. (2013). Pengaruh Diversifikasi Pendapatan Terhadap Risiko Bank (Studi Kasus Pada Bank yang Terdaftar Di Bursa Efek Indonesia Tahun 2007-2011).
Akhter, N. (2018). The Impact of Liquidity and Profitability on Operational Efficiency of Selected Commercial Banks in Bangladesh: A Panel Data Study. Global Journal of Management and Business Research.
Amerta, I. N. D. P. (2019). Pengaruh Likuiditas, Kualitas Aktiva, Sensitivitas, Efisiensi, Dan Profitabilitas Terhadap CAR Pada Bank Umum Swasta Nasional Devisa Go Public. STIE Perbanas Surabaya.
Baek, S., Lee, K. Y., Lee, J. W., & Mohanty, S. (2018). Income Diversification in Korean Banking Business: Is Non-interest Income a Financial Saviour? Journal of Emerging Market Finance, 17(3_suppl), S299–S326. https://doi.org/10.1177/0972652718798079
Brahmana, R., Kontesa, M., & Gilbert, R. E. (2018). Income diversification and bank performance: Evidence from Malaysian banks. Economics Bulletin, 38(2), 799–809.
Bruno, L. (2019). Teori Keagenan. Journal of Chemical Information and Modeling.
Danupranata, G. (2013). Manajemen Perbankan Syariah. In Salemba Empat.
Dendawijaya, L. (2005). Manajemen perbankan.
Doan, A. T., Lin, K. L., & Doong, S. C. (2018). What drives bank efficiency? The interaction of bank income diversification and ownership. International Review of Economics and Finance, 55, 203–219. https://doi.org/10.1016/j.iref.2017.07.019
Dr. Kasmir, S.E., M. M. (2001). Manajemen Perbankan. In Edisi Revisi Sembilan.
Edirisuriya, P., Gunasekarage, A., & Dempsey, M. (2015). Australian specific bank features and the impact of income diversification on bank performance and risk. Australian Economic Papers. https://doi.org/10.1111/1467-8454.12043
Febriyanti, A. R. (2020). Pengaruh Struktur Modal, Efisiensi Operasional, Kualitas Aset, Likuiditas, Dan Indikator Makroekonomi Terhadap Profitabilitas Bank Syariah Di Indonesia Tahun 2014-2018. Universitas Airlangga.
Gumanti, T. A. (2009). Teori Sinyal Dalam Manajemen Keuangan. Manajemen Dan Usahawan Indonesia.
Jannah, M., & Mokhamad, Z. A. (2017). Pengaruh Diversifikasi Pendapatan Terhadap Kinerja Perbankan Studi Terhadap Bank Syariah Mandiri Periode 2007-2016. IAIN Surakarta.
Jensen, M. C., & Meckling, W. H. (1976). Theory of the firm: Managerial behavior, agency costs and ownership structure. Journal of Financial Economics. https://doi.org/10.1016/0304-405X(76)90026-X
Kasmir. (2014). Bank dan Lembaga Keuangan Lainnya. Edisi Revisi. In Peranan Laporan Keuangan Dalam Kebijaksanaan Pemberian Kredit Kepada Calon Nasabah Pada Pt. Bpr Batang Kapas.
Marsondang, A., Purwanto, B., & Mulyati, H. (2020). Pengukuran Efisiensi Serta Analisis Faktor Internal dan Eksternal Bank yang Memengaruhinya. Jurnal Manajemen Dan Organisasi, 10(1), 48–62. https://doi.org/10.29244/jmo.v10i1.28860
Miratussholihah, M. (2020). Pengaruh Assets Utilization Ratio (AUR) dan Financing to Deposit Ratio (FDR) terhadap Return On Asset (ROA) PT Bank Tabungan Pensiunan Nasional Syariah Periode 2016-2018. UIN Sunan Gunung Djati Bandung.
Mukhibad, H., Kiswanto, & Jayanto, P. Y. (2017). An analysis on financial and social performance of Islamic banks in Indonesia. International Journal of Monetary Economics and Finance, 10(3–4), 295–308. https://doi.org/10.1504/IJMEF.2017.087479
Niu, F. A. L., & Hasan, Y. (2019). Komparasi Fee Based Income pada Bank Konvensional dan Bank Syariah di Indonesia (Studi Laporan Keuangan). Tasharruf: Journal Economics and Business of Islam. https://doi.org/10.30984/tjebi.v4i2.1025
Novia. (2018). Mengenal Teori Signaling Dalam Struktur Modal & Hubungannya dengan Rasio Keuangan. In jurnal.id.
Osifo, O., & Evbayiro-Osagie, E. I. (2020). Income Diversification and Performance of Quoted Deposit Money Banks in Selected Sub-Sahara African Countries. Oradea Journal of Business and Economics, 5(Special), 82–93. https://doi.org/10.47535/1991ojbe099
Otoritas Jasa Keuangan. (2020). Statistik Perbankan Syariah 2020. Journal of Chemical Information and Modeling.
Peter Nderitu Githaiga, J. C. Y. & J. K. K. (2019). Income Diversification and Performance: Should Banks Trade? Nile Journal Of Business and Economics, 5(Desember), 37.
Rivai Veitzhal. (2013). Manajemen Sumber Daya Manusia. In manajemen sumber daya manusia untuk perusahaan dari teori ke praktik.
Riyanti, R. D. (2017). Pengaruh Income Diversification Activities.
Sarwono, J. (2012). Path Analysis Untuk Riset Skripsi, Tesis dan Disertasi. Elex Media Komputindo Kompas Gramedia.
Shandy Utama, A. (2020). Perkembangan Perbankan Syariah Di Indonesia. UNES Law Review. https://doi.org/10.31933/unesrev.v2i3.121
Stiroh, K. J. (2004). Diversification in Banking: Is Noninterest Income the Answer? Journal of Money, Credit, and Banking. https://doi.org/10.1353/mcb.2004.0076
Sudiana, D. (2020). Pengaruh Financing to Deposit Ratio (FDR), Biaya Operasional Pendapatan Operasioanl (BOPO) Terhadap Return On Asset (ROA) pada Bank Umum Syariah. UIN SMH BANTEN.
Sunardi, N. (2017). Pengaruh Intellectual Capital (Ib-Vaic Tm ), Fdr Dan Car Terhadap Efisiensi Biaya Dan Implikasinya Pada Kinerja Perusahaan Bank Umum Syariah Indonesia Periode 2012 – 2016. 1(1), 1–17.
Suwignyo, A. O. D. A., & Musdholifah. (2019). Analisis faktor penentu efisiensi bank syariah di indonesia dengan pendekatan two stage data envelopment analysis (dea). Jurnal Ilmu Manajemen, 7, 172–183.
Umar, A. (2015). Peran Fee Based Income Bagi Pendapatan Bri Syariah Cabang Surabaya. 04.
Wibisono, M. Y., & Wahyuni, S. (2017). Pengaruh CAR,N PF, BOPO, FDR, Terhadap Roa yang Dimediasi Oleh NOM. Jurnal Bisnis & Manajemen.
Yunanto, O., & Kusumo, A. (2017). Analisis Kinerja Keuangan Bank Syariah Mandiri Periode 2012 – 2016 ( dengan Pendekatan PBI. II(9), 109–131.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2022 Riska Amalia Utami, Faqih Nabhan
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Most read articles by the same author(s)
- Wahyuningsih Wahyuningsih, Faqih Nabhan, Peran profitabilitas dalam memediasi leverage dan total asset turnover tehadap beta saham , Journal of Accounting and Digital Finance: Vol. 2 No. 3 (2022): Journal of Accounting and Digital Finance
