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All Journal Jurnal Akuntansi
Aulia Claraning Sukmawati
Fakultas Ekonomi dan Bisnis, Universitas Airlangga
Economics, Econometrics & Finance

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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 Octavia Reniar Putri RAHMAT SETIAWAN