Diversifikasi Pendapatan dan Profitabilitas Bank Umum Konvensional di Indonesia
DOI:
https://doi.org/10.31851/jmwe.v22i1.16676Abstract
ABSTRAK
Penelitian ini memiliki maksud untuk menguji dan menganalisis pengaruh diversifikasi (pendapatan nonbunga) terhadap profitabilitas bank yang diproksi dengan return on equity (ROE). Penelitian ini menggunakan metode kuantitatif dengan data sekunder dan menggunakan uji regresi linear sederhana. Teknik pengumpulan data/sampel menggunakan kriteria khusus (purposive sampling), sehingga sampel yang digunakan sebanyak 52 unit analisis, diperoleh dari 4 bank persero milik pemerintah dan 9 bank umum swasta nasional yang memiliki total aset di atas 100 triliun yang terdaftar di BEI dalam periode pengamatan 2019-2022. Hasil uji hipotesis diperoleh bahwa variabel non interest income mempunyai nilai signifikansi (Sig) 0,000 di bawah nilai kritis 0,05, maka nilai Sig. (0,000 < 0,05), sedangkan hasil t tabel dan t hitung diperoleh hasil 0,004 < 4,014. Hasil peneltian ini menemukan bahwa, diversifikasi pendapatan (pendapatan nonbunga) mampu mempengaruhi dan meningkatkan profitabilitas bank (return on equity/ROE).
Kata Kunci: Diversifikasi Pendapatan, Pendapatan Nonbunga, Profitabilitas, Return on Equity.
ABSTRACT
This study aims to test and analyze the effect of diversification (non-interest income) on bank profitability as proxied by return on equity (ROE). This study uses a quantitative method with secondary data and uses a simple linear regression test. The data collection/sampling technique uses special criteria (purposive sampling), so that the sample used is 52 analysis units, obtained from 4 state-owned state-owned banks and 9 national private banks with total assets above 100 trillion listed on the IDX in the observation period 2019-2022. The results of the hypothesis test obtained that the non-interest income variable has a significance value (Sig) of 0.000 below the critical value of 0.05, then the Sig value. (0.000 <0.05), while the results of the t table and t count obtained results of 0.004 <4.014. The results of this study found that income diversification (non-interest income) can influence and increase bank profitability (return on equity/ROE.
Keywords : Income Diversification, Non-Interest Income, Profitability, Return on Equity.
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