Credit Diversification, Income Diversification, Credit Risk and Bank Financial Performance (Study on Conventional Banking during the Covid-19 Pandemic)

Nunung Wulan Sari, Najmudin Najmudin, Dian Purnomo Jati

Abstract


This study aims to analyze the effect of credit diversification and income diversification on bank financial performance by considering credit risk as a variable that moderates the relationship. The design used in this research is quantitative. The data analysis used is quantitative / statistical by testing the hypothesis. The data in this study were taken from the website www.ojk.go.id. Sampling in this study uses quarterly time series data, namely the performance reports of conventional commercial banks published by the financial services authority in Indonesia for the period March 2020 to December 2022 which are processed using the eviews version 13 application. In this study also added control variables in the form of CAR, LDR and Size. The results of this study indicate that credit diversification has a positive effect on bank financial performance, credit risk has a negative effect on bank financial performance, income diversification has a positive effect on bank financial performance, credit risk can weaken the positive effect of credit diversification and income diversification on bank performance. This research is expected to provide better understanding and insight into how credit risk can affect the relationship between credit diversification, income diversification and financial performance.

Keywords: Credit Diversification, income Diversification, Risk Credit, Performance

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References


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