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Abstract
ABSTRAK
Penelitian ini bertujuan untuk menganalisis pengaruh kompetisi bank terhadap stabilitas keuangan pada perbankan di indonesia. bank yang digunakan pada penelitian ini adalah 27 bank dari 43 bank yang terdaftar di bursa efek indonesia dari periode 2010 sampai dengan 2016. Teknik estimasi penelitian ini menggunakan model analisis regresi panel. Penelitian ini menggunakan dua model turunan dari model utama. untuk model i menggunakan fixed effect model, sedangkan untuk model ii menggunakan random effect model. hasil penelitian menunjukkan paradigma ”competition-stability” secara empirik terbukti sesuai dengan apa yang terjadi pada perbankan indonesia apabila bank diukur sebagai risiko bank secara keseluruhan (z-index) maupun stabilitas bank dengan risiko kredit bank yang diukur dengan rasio npl. Stabilitas perbankan di indonesia menunjukkan dalam posisi yang cukup baik dimana z-index menunjukkan trend yang positif. kredit macet di perbankan juga mampu ditekan dimana nilainya dibawah 5%. hasil signifikan negatif antara kompetisi bank dan resiko kredit bank, menunjukkan pola hubungan “competition-stability” pada industri perbankan di indonesia. hasil penelitian ini juga mengindikasikan bahwa industri perbankan di indonesia berada pada kondisi yang kurang kompetitif. Jenis persaingan di perbankan indonesia dapat dikategorikan sebagai pasar persaingan monopolistik dimana setiap bank memiliki market power yang relative kuat pada segmennya masing-masing.
Keywords
Kata kunci: kompetisi bank, stabilitas perbankan, z-index, Npl, lerner index
Article Details
How to Cite
Unik Pitasari, Slamet Sentosa, & Amru Sukmajati. (2019). PENGARUH KOMPETISI BANK TERHADAP STABILITAS KEUANGAN PERBANKAN. JABE (Jurnal Akuntansi, Bisnis Dan Ekonomi), 7(01), 64–81. Retrieved from http://jurnal.stas.ac.id/index.php/jabe/article/view/13
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