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All Journal Jurnal Studi Manajemen Organisasi Diponegoro Journal of Management JDM (Jurnal Dinamika Manajemen) At-Taqaddum Management Analysis Journal Journal of Economic Education Al Tijarah DIJB (Diponegoro International Journal of Business) Jurnal Ekonomi Dan Bisnis SOLUSI Jurnal RAK (Riset Akuntansi Keuangan)
Endang Tri Widyarti, Endang Tri
Jurusan Manajemen Fakultas Ekonomika Dan Bisnis Universitas Diponegoro
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Public Health Social Sciences Other

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Journal : Jurnal RAK (Riset Akuntansi Keuangan)

 1 
ANALYSIS OF THE EFFECT OF INCOME DIVERSIFICATION ON BANK PERFORMANCE AND BANK RISK WITH OWNERSHIP STRUCTURE AS MODERATING VARIABLE IN DIGITAL BANKS IN INDONESIA Endang Tri Widyarti; Desy Febriana Sari
Jurnal RAK (Riset Akuntansi Keuangan) Vol. 7 No. 2 (2022): JURNAL RAK (RISET AKUNTANSI KEUANGAN)
Publisher : Accounting Department Faculty of Economics, Universitas Tidar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31002/rak.v7i2.297

Abstract

This study aims to analyze the effect of income diversification on performance and risk in digital banks, and examine the moderating role of the ownership structure variable as proxied by concentrated ownership of the effect of income diversification on bank performance as measured by ROA and Tobins's Q and bank risk as measured by Z. -Score on digital banks in Indonesia. The research data is taken from the financial statements of banks listed on the Indonesia Stock Exchange (IDX) for the period 2020-2021. The number of samples used in this study was 70 using purposive sampling technique. The analytical method used is Multiple Linear Regression and Moderated Regression Analysis. The results of this study state that income diversification has a positive and significant effect on bank performance as measured by ROA and Tobin's Q. Also, it has a positive and significant effect on bank risk as measured by Z-Score. In addition, this study shows that banks with concentrated ownership have a negative and significant effect in moderating the effect of income diversification on ROA. Meanwhile, banks with concentrated ownership are unable to moderate the effect of income diversification on Tobin's Q and Z-Score.
Co-Authors Achmad Taufik Ibrahim, Achmad Taufik Adhi Widyakto Adhi Widyakto Alvin Rayinda Pramasha, Alvin Rayinda Astiwi Indriani Boentoro, Nathania Valentine Citra Indradewi Citra Indradewi, Citra Cynthia Dewi Sampurna, Cynthia Desy Febriana Sari Dian Triyani Dian Triyani Dien Hawa, Ghassani Malda Eko Nur Hidayat Fachrul Ferdiansyah Haryanto, Satrio B. Hida Efri Nurfina, Hida Efri Iin Puji Erlina, Iin Puji Linda Purnama Sari, Linda Purnama Mohammad Sigit Taruna Monic Lisiana, Kezia Xenna Nicodemus Hedro, Nicodemus Nur, Tegar Ochta Rahman, Mizan Ikhlasul Ridhlo Ilham Putra Wardana, Ridhlo Ilham Putra Rina Haryati, Rina Rini Setyo Witiastuti Shinta Dewi Vernanda, Shinta Dewi Shoimatul Fitriana Sidabutar, Riyandi Bittatar Suryawardana, Edy Widyakto, Adhi Yohanes Suhardjo