_.gif)
_.gif)
The Effect of Bank Liquidity and Efficiency on Non-Interest Income with National Income as Variables Moderator
Abstract
Empirically, non-interest income from banks in Indonesia has increased in the last five years. Apart from being caused by efficiency issues and the level of risk in interest income, the increase in non-interest income was due to the proliferation of electronic-based banking services. In an effort to understand the influence factors on non-interest income, this study examines the effect of market concentration on third party funds, credit market concentration, capital adequacy, bank liquidity, bank efficiency, non-performing loans, leverage, and reference interest rates on non-interest income. In addition, testing the effect of bank and macroeconomic characteristics variables on non-interest income with national income as a moderating variable and the effect of bank and macroeconomic characteristics on non-interest income with inflation as a moderating variable. This research uses descriptive methods and causality. The research was conducted at conventional National Commercial Banks in Indonesia, which is divided into the periodization of the financial crisis era, namely 2006-2011 and post-financial crisis, namely 2012-2017. The data collection technique used by researchers is the documentation method. The data analysis technique was performed using unbalance panel data regression analysis. The results showed that bank liquidity and bank efficiency had a significant effect.
Keywords
Full Text:
PDFReferences
Abd Karim, M. Z., Chan, S. G., & Hassan, S. (2010). Bank efficiency and non-performing loans: Evidence from Malaysia and Singapore. Prague Economic Papers, 2(1).
Abiola, I., & Olausi, A. S. 2014. “The Impact of Credit Risk Management on the Commercial Banks Performance in Nigeria”. International Journal of Management and Sustainability, 3(5): 295-306.
Achmad, S. 2003. Ekonomi Perbankan. Jakarta: STIE Gunadarma.
Allen, F., & Santomero, A. M. (1998). The Theory of Financial Intermediation. Journl of Banking & Finance, 21, 1461–1485.
Apostolik, R., DONOHUE, C., & WENT, P. (2009). Foundations of Banking Risk: An Overview of Banking. Banking Risks, and Risk-Based Banking Regulation, Hoboken/New Jersey.
Ariyanto, T. (2011). Faktor Penentu Net Interest Margin Perbankan Indonesia. Finance and Banking Journal, 13(1), 34–46.
Bono, Z. B. (2020). Determinants of Bank Liquidity and Its Impact on Bank Profitability in Ethiopia. Journal of Modern Accounting and Auditing, 16(6), 254-263.
Dabla-Norris, E., & Floerkemeier, H. (2007). Bank Efficiency and Market Structure: What Determines Banking Spreads in Armenia? (No. 07). New York, United State of America.
Damayanti, P., & Savitri, D. A. M. (2018). Analisis Pengaruh Ukuran (Size), Capital Adequacy Ratio (Car), Pertumbuhan Deposit, Loan to Deposit Rasio (Ldr), Terhadap Profitabilitas Perbankan Go Public Di Indonesiatahun 2005–2009. Jurnal Ilmu Manajemen Dan Akuntansi Terapan (JIMAT), 3(2), 45-54.
DeYoung, R., & Rice, T. (2004). Noninterest Income and Financial Performance at U.S. Commercial Banks. The Financial Review, 39, 101–127.
DeYoung, R., & Roland, K. P. (2001). Product Mix and Earning Volatility at Commercial Banks: Evidence frim a Degree of Leverage Model (No. WP-99-6). Chicago, United States of America.
Engle, R., Moshirian, F., Sahgal, S., & Zhang, B. (2014). Banks Non-Interest Income and Global Financial Stability.
Hahm, J. (2008). Determinants and Consequences of Non-Interest Income Diversification of Commercial Banks in OECD Countries. Journal of International Economic Studies, 12(1), 3–32.
Hidayat, A., & Sunarsi, D. (2020). Faktor-Faktor Yang Mempengaruhi Dana Pihak Ketiga Dan Dampaknya Terhadap Profitabilitas (Survey Pada Bpr Syariah Di Jawa Barat Tahun 2014–2017). Jurnal Proaksi, 7(1), 54-65.
Hou, X., Li, S., Li, W., & Wang, Q. (2018). Bank diversification and liquidity creation: Panel Granger-causality evidence from China. Economic Modelling, 71, 87-98.
Jamilah, J. (2016). Faktor-faktor yang Mempengaruhi Pembiayaan Mudhrabah Pada Bank Umum Syariah di Indonesia. Jurnal Ilmu dan Riset Akuntansi, 5(4), 1-20.
Jurča, P., & Zeman, J. (2008). Macro stress testing of the Slovak banking sector (No. 1/08). Working Paper.
K Nufus, H Supratikta, A Muchtar, D Sunarsi. (2020). Analysis of Financial Performance: Case Study of PT. X Employee Cooperative. Utopía Y Praxis Latinoamericana. Vol. 25. Pages 429-444
Kothari, C. R. (2004). Research Methodology: Methods and Techniques (Second Revised Edition). New Delhi: New Age International, Ltd.
Lobo, G. J., & Yang, D. H. (2001). Bank managers' heterogeneous decisions on discretionary loan loss provisions. Review of Quantitative Finance and Accounting, 16(3), 223-250.
Manurung, A. H. (2013). Net Interest Margin : Bank Publik di Indonesia. Jakarta, Indonesia.
Masud Rana, M., Hossain, K., & Rekha, R. S. (2016). Profitability and liquidity of conventional banking and Islamic banking in Bangladesh: A comparative study. IJAR, 2(9), 318-327.
Maudos, J., & Solís, L. (2009). The determinants of net interest income in the Mexican banking system: An integrated model. Journal of Banking & Finance, 33(10), 1920-1931.
Maudos, J., & Solís, L. (2009). The Determinants of Net Interest Income in the Mexican Banking System : An Integrated Model. Journal of Banking and Finance, 33(10), 1920–1931.
Neuberger, H. (1998). Exactly massless quarks on the lattice. Physics Letters B, 417(1-2), 141-144.
Ningrum, A., & Imronudin, S. (2017). Pengaruh kondisi Ekonomi, NPR, FDR Dan BOPO Terhadap Profitabilitas Perbankan Syariah Di Indonesia Tahun 2012-2015 (Doctoral dissertation, Universitas Muhammadiyah Surakarta).
Nugroho, V. (2012). Pengaruh CAMEL Dalam Memprediksi Kebangkrutan Bank. Jurnal Akuntansi, 16(1), 145-161.
O'Donnell, C. J., & Van Der Westhuizen, G. (2002). Regional comparisons of banking performance in South Africa. South African Journal of Economics.
Pratiwi, D.D. (2012). Pengaruh CAR, BOPO, NPF dan FDR Terhadap Return on Asset (ROA) Bank Umum Syariah (Studi Kasus pada Bank Umum Syariah di Indonesia Tahun 2005 –2010. Semarang: Fakultas Ekonomi dan Bisnis.
Pradata. Y, et al. (2020). Determinants of Savings and Community Loans in Ngawi District, 2010 - 2018 A Macro Economic Approach. Budapest International Research and Critics Institute-Journal (BIRCI-Journal). P. 1506-1517.
Rosmika, T,. et al. (2019). The Role of BRI Bank Medan Perjuangan Unit for Customer's Households, Indonesia. Budapest International Research and Critics Institute-Journal (BIRCI-Journal). P. 363-374.
Suhartono, A., Jati, W., & Sunarsi, D. (2019). Pengaruh Earning Per Share Dan Return On Asset Terhadap Harga Saham Pada PT. Bank Negara Indonesia Tbk Periode 2009-2018. Jurnal Manajemen, Bisnis dan Organisasi (JUMBO), 3(3), 182-194.
Tarigan, N,. et al. (2020). The Effect of Employee Competence on Increasing Employee Motivation in Sumut Bank of Sharia Unit, North Sumatera. Budapest International Research and Critics Institute-Journal (BIRCI-Journal). P. 858-867
Thalib, D. (2013). Intermediasi, struktur modal, efisiensi, permodalan dan risiko terhadap profitabilitas bank. Sumber, 13(6), 2014.
Ummah, F. K., & Suprapto, E. (2015). Faktor-Faktor yang Mempengaruhi Profitabilitas pada Bank Muamalat Indonesia. Jurnal Ekonomi dan Perbankan Syariah, 3(2), 1-24.
Yuliani, Y. (2007). Hubungan efisiensi operasional dengan kinerja profitabilitas pada sektor perbankan yang go publik di Bursa Efek Jakarta. Jurnal Manajemen dan Bisnis Sriwijaya, 5(10), 15-43.
Yuliani, Y. (2007). Hubungan efisiensi operasional dengan kinerja profitabilitas pada sektor perbankan yang go publik di Bursa Efek Jakarta. Jurnal Manajemen dan Bisnis Sriwijaya, 5(10), 15-43.
Yusni Nuryani, Denok Sunarsi. (2020). The Effect of Current Ratio and Debt to Equity Ratio on Deviding Growth. JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) Volume 4, Issue 2, Pages 304-312
Yuwana, W., Kakinaka, M., & Miyamoto, H. (2012). Bank Risk and Non-Interest Income Activities in The Indonesian Banking Industry. Journal of Asian Economics, 23(4), 335–343. https://doi.org/10.1016/j.asieco.2012.03.008
DOI: https://doi.org/10.33258/birci.v4i1.1680
Article Metrics
Abstract view : 305 timesPDF - 197 times
Refbacks
- There are currently no refbacks.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.