Dampak Diversifikasi Pendapatan Terhadap Profitabilitas Bank di Indonesia: Pendekatan Regresi Data Panel dengan Random Effect Model
Keywords:
Income Diversification, Interest Income, Non-Interest Income, Bank Profitability, Return on Assets (ROA), Panel Data.Abstract
Using ROA as a metric, this study aims to examine the impact of interest and non-interest income diversification on the profitability of commercial banks in Indonesia from 2008 to 2018. A total of 407 observations from 38 different commercial banks were included in this quantitative study, which used panel data regression techniques. After testing the figures using the Chow, Hausman, and Breusch-Pagan LM tests, it was clear that REM was the most appropriate for the estimation. The combination of interest and non-interest income had a substantial impact on ROA, according to the findings of the simultaneous test. Bank profitability was positively and significantly affected by interest income, while non-interest income did not significantly affect ROA.
Keywords: Income Diversification, Interest Income, Non-Interest Income, Bank Profitability, Return on Assets (ROA), Panel Data.
Abstrak
Dengan menggunakan ROA sebagai metrik, penelitian ini bertujuan untuk mengkaji dampak diversifikasi pendapatan bunga dan non-bunga terhadap profitabilitas bank umum di Indonesia dari tahun 2008 hingga 2018. Sebanyak 407 observasi dari 38 bank umum berbeda diikutsertakan dalam penelitian kuantitatif ini, yang menggunakan teknik regresi data panel. Setelah menguji angka-angka tersebut dengan uji Chow, Hausman, dan Breusch-Pagan LM, terlihat jelas bahwa REM adalah yang paling sesuai untuk estimasi tersebut. Kombinasi pendapatan bunga dan non-bunga memiliki dampak yang substansial terhadap ROA, menurut temuan pengujian simultan. Profitabilitas bank dipengaruhi secara positif dan signifikan oleh pendapatan bunga, sedangkan pendapatan non-bunga tidak memengaruhi ROA secara signifikan.
Kata Kunci: Diversifikasi Pendapatan, Pendapatan Bunga, Pendapatan Non-Bunga, Profitabilitas Bank, Return on Assets (ROA), Data Panel.
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