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All Journal JUIMA : Jurnal Ilmu Manajemen Jurnal Akuntansi
Octavia Reniar Putri
Fakultas Ekonomi dan Bisnis, Universitas Airlangga
Economics, Econometrics & Finance

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KEPEMILIKAN PEMERINTAH, KEPEMILIKAN ASING, DAN KREDIT VALUTA ASING BANK DI INDONESIA Rahmat Setiawan; Octavia Reniar Putri
JUIMA : JURNAL ILMU MANAJEMEN Vol. 9 No. 1 (2019): JUIMA : JURNAL ILMU MANAJEMEN
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Mahasaraswati Denpasar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (466.073 KB) | DOI: 10.36733/juima.v9i1.470

Abstract

High foreign participation in the emerging banking markets is because of many foreign customers who opened their businesses in the host country, and therefore they need nancing from familiar banks. This study aims to understand the effect of state ownership and foreign ownership on bank loans in foreign currency. We use 116 samples of conventional commercial banks in Indonesia during 2010-2017, with 832 observations. The results of multiple regression show that banks with state ownership have lower foreign currency loans than non-state ownership and banks with foreign ownership have higher foreign currency loans than domestic ownership. These results indicate that eventhough the presence of foreigners will increase loans in banking industry, but these loans are in foreign currency, which indirectly shows that their contribution will be used more by foreigners themselves.
Diversifikasi Portofolio Kredit, Risiko dan Return Bank Rahmat Setiawan; Octavia Reniar Putri; Aulia Claraning Sukmawati
Jurnal Akuntansi Vol. 15 No. 1 (2023): Vol 15 No 1 (2023)
Publisher : Universitas Kristen Maranatha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28932/jam.v15i1.6376

Abstract

Banks as financial intermediaries, can diversify their credit portfolios into different sectors. This study aims to determine the effect of credit portfolio diversification on risks borne and returns earned by banks. The sample in this study was 61 conventional commercial banks in Indonesia for the 2012-2014 period with a total of 112 observations. The results show that credit portfolio diversification has a significant negative effect on bank risk and return. In other words, a more diversified credit portfolio can reduce bank risk and return. Keywords: diversification, loan portfolio, bank’s risk, bank’s return
Co-Authors Aulia Claraning Sukmawati RAHMAT SETIAWAN