Pengaruh diversifikasi kredit terhadap risiko kredit, efisiensi, dan kapitalisasi bank umum konvesional yang terdaftar di bursa efek Indonesia periode 2007 - 2011

Deskripsi

The aim of this paper is to analyze how loan diversification affects credit risk, efficiency, and capitalization of commercial banks. Employing panel data from 20 conventional commercial banks listed in Indonesia Stock Exchange during year 2007-2011, this research was conducted using Fixed-Effect Model and Random- Effect Model. Result obtained from the research showed that loan diversification positively significant affects credit risk and bank efficiency, and negatively significant affects bank capitalization. It implies that loan diversification increase the risk faced by banks, increase bank efficiency, and decrease bank capitalization.Ada tabel