Determinan Stabilitas Keuangan Bank Pembangunan Daerah di Indonesia
Keywords:
Diversifikasi Pendapatan, Kecukupan Modal, Risiko Kredit, Stabilitas Keuangan Bank
Abstract
Penelitian ini bertujuan untuk menguji pengaruh Kecukupan Modal, Risiko Kredit, dan Diversifikasi Pendapatan terhadap Stabilitas Keuangan Bank. Subyek pada penelitian ini adalah perusahaan sektor keuangan bank umum non syariah dan bank pembangunan daerah. Adapun periode pengamatan dalam penelitian ini dimulai dari tahun 2019 sampai 2023. Menggunakan teknik purposive sampling diperoleh sebanyak 42 sampel perusahaan, dengan total data observasi 210 laporan keuangan tahunan. Teknik analisis data pada penelitian ini adalah regresi data panel. Berdasarkan hasil analisis data ditemukan bahwa kecukupan modal berpengaruh positif dan signifikan terhadap stabilitas keuangan bank. Di sisi lain risiko kredit dan diversifikasi pendapatan memiliki pengaruh negatif dan signifikan terhadap stabilitas keuangan bank.
Kata kunci: Diversifikasi Pendapatan; Kecukupan Modal; Risiko Kredit; Stabilitas Keuangan Bank
References
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Ekinci, A. (2016). International Journal of Economics and Financial Issues The Effect of Credit and Market Risk on Bank Performance: Evidence from Turkey. International Journal of Economics and Financial Issues |, 6(2), 427–434. http:www.econjournals.com
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Imran, K., & Nishat, M. (2013). Determinants of bank credit in Pakistan: A supply side approach. Economic Modelling, 35, 384–390. https://doi.org/10.1016/j.econmod.2013.07.022
Jabra, W. Ben. (2020). Commercial Banking Stability Determinants in European Countries.
Kharabsheh, B. (2019). DETERMINANTS OF BANK CREDIT RISK: EMPIRICAL EVIDENCE FROM JORDANIAN COMMERCIAL BANKS. In Academy of Accounting and Financial Studies Journal (Vol. 23, Issue 3). http://www.cbj.gov.jo/
Koskei, L. (2020). Determinants of Banks’ Financial Stability in Kenya Commercial Banks. Asian Journal of Economics, Business and Accounting, 48–57. https://doi.org/10.9734/ajeba/2020/v18i230281
Laeven, L., Ratnovski, L., & Tong, H. (2016). Bank size, capital, and systemic risk: Some international evidence. Journal of Banking & Finance, 69, S25–S34. https://doi.org/10.1016/J.JBANKFIN.2015.06.022
Li, X., Feng, H., Zhao, S., & Carter, D. A. (2021). The effect of revenue diversification on bank profitability and risk during the COVID-19 pandemic. Finance Research Letters, 43. https://doi.org/10.1016/j.frl.2021.101957
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Moudud-Ul-Huq, S., Ashraf, B. N., Gupta, A. Das, & Zheng, C. (2018). Does bank diversification heterogeneously affect performance and risk-taking in ASEAN emerging economies? Research in International Business and Finance, 46, 342–362. https://doi.org/10.1016/j.ribaf.2018.04.007
My, S. T. (2020). CREDIT RISK AND BANK STABILITY OF VIETNAM COMMERCIAL BANK: A BK APPROACH SANG TANG MY*. International Journal of Analysis and Applications, 18(6), 1066–1082. https://doi.org/10.28924/2291-8639
My, S. T., & Quoc, A. N. (2022). The Relationship between Credit Risk and Bank Financial Stability: The Mediating Role of Bank Profitability. Journal of Hunan University Natural Sciences, 49(1), 263–271. https://doi.org/10.55463/issn.1674-2974.49.1.32
Naili, M., & Lahrichi, Y. (2022). Banks’ credit risk, systematic determinants and specific factors: recent evidence from emerging markets. Heliyon, 8(2). https://doi.org/10.1016/j.heliyon.2022.e08960
Nisar, S., Peng, K., Wang, S., & Ashraf, B. N. (2018). The impact of revenue diversification on bank profitability and stability: Empirical evidence from south asian countries. International Journal of Financial Studies, 6(2). https://doi.org/10.3390/ijfs6020040
Otoritas Jasa Keuangan. (2024). Statistik Perbankan Indonesia – Agustus 2024. Jakarta
Pham, T. T., Dao, L. K. O., & Nguyen, V. C. (2021). The determinants of bank’s stability: a system GMM panel analysis. Cogent Business and Management, 8(1). https://doi.org/10.1080/23311975.2021.1963390
Sanya, S., & Wolfe, S. (2011). Can Banks in Emerging Economies Benefit from Revenue Diversification? Journal of Financial Services Research, 40(1), 79–101. https://doi.org/10.1007/s10693-010-0098-z
Saunders, A., Cornett, M. M., & Erhemjamts, O. (2021). Financial Institutions Management A Risk Management Approach.
Shahriar, A., Mehzabin, S., Ahmed, Z., Döngül, E. S., & Azad, Md. A. K. (2023). Bank stability, performance and efficiency: an experience from West Asian countries. IIM Ranchi Journal of Management Studies, 2(1), 31–47. https://doi.org/10.1108/irjms-02-2022-0017
Shim, J. (2013). Bank capital buffer and portfolio risk: The influence of business cycle and revenue diversification. Journal of Banking and Finance, 37(3), 761–772. https://doi.org/10.1016/j.jbankfin.2012.10.002
Stiroh, K. J., & Rumble, A. (2006). The dark side of diversification: The case of US financial holding companies. Journal of Banking and Finance, 30(8), 2131–2161. https://doi.org/10.1016/j.jbankfin.2005.04.030
Swamy, V. (2014). Testing the interrelatedness of banking stability measures. Journal of Financial Economic Policy, 6(1), 25–45. https://doi.org/10.1108/JFEP-01-2013-0002
Swarnapali, R. M. N. C. (2014). Firm Specific Determinants and Financial Performance of Licensed Commercial Banks in Sri Lanka. Faculty of Management and Finance, University of Ruhuna.
Tariq, W., Usman, M., Tariq, A., Rashid, R., Yin, J., Memon, M. A., & Ashfaq, M. (2021). Bank maturity, income diversification, and bank stability. Journal of Business Economics and Management, 22(6), 1492–1511. https://doi.org/10.3846/jbem.2021.15583
Thakor, A. V. (2014). Bank capital and financial stability: An economic trade-off or a faustian bargain? In Annual Review of Financial Economics (Vol. 6, pp. 185–223). Annual Reviews Inc. https://doi.org/10.1146/annurev-financial-110613-034531
Vuong, G. T. H., Nguyen, Y. D. H., Nguyen, M. H., & Wong, W. K. (2024). Assessing the impact of macroeconomic uncertainties on bank stability: Insights from ASEAN-8 countries. Heliyon, 10(11). https://doi.org/10.1016/j.heliyon.2024.e31711
Yensu, J., Yusif, H. M., Tetteh, E., Asumadu, G., & Atuilik, D. A. (2021). Main Determinants of Banks’ Stability: Evidence from Commercial Banks in Ghana. Journal of Finance and Economics, 9(2), 42–52. https://doi.org/10.12691/jfe-9-2-1
Zaghdoudi, K. (2019). The effects of risks on the stability of Tunisian conventional banks. Asian Economic and Financial Review, 9(3), 389–401. https://doi.org/10.18488/journal.aefr.2019.93.389.401
Addury, M. M., & Ramadhani, A. K. P. (2024). THE INFLUENCE OF FINANCING MODEL AND CREDIT RISK ON FINANCIAL STABILITY (STUDY OF ISLAMIC RURAL BANKS IN JAVA ISLAND). Journal of Islamic Monetary Economics and Finance, 10(3). https://doi.org/10.21098/jimf.v10i3.1788
Almazari, A. A. (2014). Impact of Internal Factors on Bank Profitability: Comparative Study between Saudi Arabia and Jordan. In Journal of Applied Finance & Banking (Vol. 4, Issue 1). Scienpress Ltd.
Athanasoglou, P. P., Delis, M. D., & Staikouras, C. K. (2006). Determinants Of Bank Profitability In The South Eastern European Region.
Badan Pusat Statistik. (2024). Ekonomi Indonesia Triwulan IV-2023 Tumbuh 5.04% Persen (y-on-y). Jakarta
Chai, Z., Sadiq, M. N., Ali, N., Malik, M., & Hamid, S. A. R. (2022). Bank Specific Risks and Financial Stability Nexus: Evidence From Pakistan. Frontiers in Psychology, 13. https://doi.org/10.3389/fpsyg.2022.909141
Choudhry, M. (2018). An Introduction To Banking Principles, Strategy And Risk Management Second Edition.
Das, P. (2019). Econometrics in theory and practice: Analysis of cross section, time series and panel data with stata 15.1. In Econometrics in Theory and Practice: Analysis of Cross Section, Time Series and Panel Data with Stata 15.1. Springer Singapore. https://doi.org/10.1007/978-981-32-9019-8
Dwinanda, I. Z., & Sulistyowati, C. (2021). The Effect of Credit Risk and Liquidity Risk on Bank Stability. Jurnal Ilmu Ekonomi Terapan, 6(2), 255. https://doi.org/10.20473/jiet.v6i2.31144
Ekinci, A. (2016). International Journal of Economics and Financial Issues The Effect of Credit and Market Risk on Bank Performance: Evidence from Turkey. International Journal of Economics and Financial Issues |, 6(2), 427–434. http:www.econjournals.com
Frederic, S. M. (2022). The Economics of Money, Banking, and Financial Markets.
Ghenimi, A., Chaibi, H., & Omri, M. A. B. (2017). The effects of liquidity risk and credit risk on bank stability: Evidence from the MENA region. In Borsa Istanbul Review (Vol. 17, Issue 4, pp. 238–248). Borsa Istanbul Anonim Sirketi. https://doi.org/10.1016/j.bir.2017.05.002
Gujarati, D. N., & Porter, D. C. (2009). Basic Econometrics 5th Edition (5th ed.). McGraw-Hill/Irwin.
GÜNGÖR, S. (2023). Bank-Specific Determinants of Financial Stability in Participation Banks: Fresh Evidence from the Driscoll-Kraay Estimator. International Journal of Business and Economic Studies, 5(3), 166–181. https://doi.org/10.54821/uiecd.1333150
Imran, K., & Nishat, M. (2013). Determinants of bank credit in Pakistan: A supply side approach. Economic Modelling, 35, 384–390. https://doi.org/10.1016/j.econmod.2013.07.022
Jabra, W. Ben. (2020). Commercial Banking Stability Determinants in European Countries.
Kharabsheh, B. (2019). DETERMINANTS OF BANK CREDIT RISK: EMPIRICAL EVIDENCE FROM JORDANIAN COMMERCIAL BANKS. In Academy of Accounting and Financial Studies Journal (Vol. 23, Issue 3). http://www.cbj.gov.jo/
Koskei, L. (2020). Determinants of Banks’ Financial Stability in Kenya Commercial Banks. Asian Journal of Economics, Business and Accounting, 48–57. https://doi.org/10.9734/ajeba/2020/v18i230281
Laeven, L., Ratnovski, L., & Tong, H. (2016). Bank size, capital, and systemic risk: Some international evidence. Journal of Banking & Finance, 69, S25–S34. https://doi.org/10.1016/J.JBANKFIN.2015.06.022
Li, X., Feng, H., Zhao, S., & Carter, D. A. (2021). The effect of revenue diversification on bank profitability and risk during the COVID-19 pandemic. Finance Research Letters, 43. https://doi.org/10.1016/j.frl.2021.101957
Loeb, S., Dynarski, S., Mcfarland, D., Morris, P., Reardon, S., & Reber, S. (2017). Descriptive analysis in education: A guide for researchers The National Center for Education Evaluation and Regional Assistance (NCEE) conducts unbiased large-scale evaluations of education programs and practices. http://ies.ed.gov/ncee/.
Moudud-Ul-Huq, S., Ashraf, B. N., Gupta, A. Das, & Zheng, C. (2018). Does bank diversification heterogeneously affect performance and risk-taking in ASEAN emerging economies? Research in International Business and Finance, 46, 342–362. https://doi.org/10.1016/j.ribaf.2018.04.007
My, S. T. (2020). CREDIT RISK AND BANK STABILITY OF VIETNAM COMMERCIAL BANK: A BK APPROACH SANG TANG MY*. International Journal of Analysis and Applications, 18(6), 1066–1082. https://doi.org/10.28924/2291-8639
My, S. T., & Quoc, A. N. (2022). The Relationship between Credit Risk and Bank Financial Stability: The Mediating Role of Bank Profitability. Journal of Hunan University Natural Sciences, 49(1), 263–271. https://doi.org/10.55463/issn.1674-2974.49.1.32
Naili, M., & Lahrichi, Y. (2022). Banks’ credit risk, systematic determinants and specific factors: recent evidence from emerging markets. Heliyon, 8(2). https://doi.org/10.1016/j.heliyon.2022.e08960
Nisar, S., Peng, K., Wang, S., & Ashraf, B. N. (2018). The impact of revenue diversification on bank profitability and stability: Empirical evidence from south asian countries. International Journal of Financial Studies, 6(2). https://doi.org/10.3390/ijfs6020040
Otoritas Jasa Keuangan. (2024). Statistik Perbankan Indonesia – Agustus 2024. Jakarta
Pham, T. T., Dao, L. K. O., & Nguyen, V. C. (2021). The determinants of bank’s stability: a system GMM panel analysis. Cogent Business and Management, 8(1). https://doi.org/10.1080/23311975.2021.1963390
Sanya, S., & Wolfe, S. (2011). Can Banks in Emerging Economies Benefit from Revenue Diversification? Journal of Financial Services Research, 40(1), 79–101. https://doi.org/10.1007/s10693-010-0098-z
Saunders, A., Cornett, M. M., & Erhemjamts, O. (2021). Financial Institutions Management A Risk Management Approach.
Shahriar, A., Mehzabin, S., Ahmed, Z., Döngül, E. S., & Azad, Md. A. K. (2023). Bank stability, performance and efficiency: an experience from West Asian countries. IIM Ranchi Journal of Management Studies, 2(1), 31–47. https://doi.org/10.1108/irjms-02-2022-0017
Shim, J. (2013). Bank capital buffer and portfolio risk: The influence of business cycle and revenue diversification. Journal of Banking and Finance, 37(3), 761–772. https://doi.org/10.1016/j.jbankfin.2012.10.002
Stiroh, K. J., & Rumble, A. (2006). The dark side of diversification: The case of US financial holding companies. Journal of Banking and Finance, 30(8), 2131–2161. https://doi.org/10.1016/j.jbankfin.2005.04.030
Swamy, V. (2014). Testing the interrelatedness of banking stability measures. Journal of Financial Economic Policy, 6(1), 25–45. https://doi.org/10.1108/JFEP-01-2013-0002
Swarnapali, R. M. N. C. (2014). Firm Specific Determinants and Financial Performance of Licensed Commercial Banks in Sri Lanka. Faculty of Management and Finance, University of Ruhuna.
Tariq, W., Usman, M., Tariq, A., Rashid, R., Yin, J., Memon, M. A., & Ashfaq, M. (2021). Bank maturity, income diversification, and bank stability. Journal of Business Economics and Management, 22(6), 1492–1511. https://doi.org/10.3846/jbem.2021.15583
Thakor, A. V. (2014). Bank capital and financial stability: An economic trade-off or a faustian bargain? In Annual Review of Financial Economics (Vol. 6, pp. 185–223). Annual Reviews Inc. https://doi.org/10.1146/annurev-financial-110613-034531
Vuong, G. T. H., Nguyen, Y. D. H., Nguyen, M. H., & Wong, W. K. (2024). Assessing the impact of macroeconomic uncertainties on bank stability: Insights from ASEAN-8 countries. Heliyon, 10(11). https://doi.org/10.1016/j.heliyon.2024.e31711
Yensu, J., Yusif, H. M., Tetteh, E., Asumadu, G., & Atuilik, D. A. (2021). Main Determinants of Banks’ Stability: Evidence from Commercial Banks in Ghana. Journal of Finance and Economics, 9(2), 42–52. https://doi.org/10.12691/jfe-9-2-1
Zaghdoudi, K. (2019). The effects of risks on the stability of Tunisian conventional banks. Asian Economic and Financial Review, 9(3), 389–401. https://doi.org/10.18488/journal.aefr.2019.93.389.401
Published
2026-09-12
How to Cite
Pribadi, M. I., Anshari, R., & Fadiah, R. (2026). Determinan Stabilitas Keuangan Bank Pembangunan Daerah di Indonesia. Jurnal Manajemen Dan Keuangan, 15(1), 348-362. https://doi.org/10.33059/jmk.v15i1.11280
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