Open AccessPENGHINDARAN RISIKO, DIVERSIFIKASI PENDAPATAN DAN EFISIENSI INTERMEDIASI BANK DI INDONESIA
Author(s) -
Bang Jessica Santiyano,
Kim Sung Suk
Publication year - 2017
Publication title -
journal of business and applied management
Language(s) - English
Resource type - Journals
eISSN - 2621-2757
pISSN - 1979-9543
DOI - 10.30813/jbam.v10i1.865
Subject(s) - market liquidity , diversification (marketing strategy) , intermediation , panel data , monetary economics , economics , inflation (cosmology) , financial system , business , econometrics , macroeconomics , physics , marketing , theoretical physics
This study aims to examine the effect of bank-specific factors, market structure and macroeconomic to intermediation efficiency of bank as measured by the spread. The data used as many as 99 conventional commercial banks in Indonesia from 2004 to 2013. Panel data estimation method uses the fixed effect model. Results showed that risk averse has positive effects on spread. Income diversification has negative effect on the spread. Other results show that bad loans and liquidity have negative effect on spread. While the operating costs, the market concentration, economic growth, and inflation has negativve effect on spread. Keywords: bank efficiency, risk averse, income diversification