Pengaruh tipe-tipe struktur kepemilikan dan faktor-faktor fundamental terhadap kinerja bank-bank bermasalah di Indonesia : periode sebelum krisis 1991 - 1997

Abstract

This research aims to analyze the effect of ownership types & fundamental factors toward bank performance in Indonesian case 1991-1997. The idea is derived from study of Rokhim (2006); which stated that banks with higher related lending will be more fragility. In that study, she identifies several fundamental factors such as Cost of Fund; Size and Net Open Position. Different with Rokhim (2006), we focus at the effect of ownership type toward bank performance. We argue that related lending could be caused by ownership type. As we know in literate of agency theory, the more concentrated ownership the higher related lending. Three important findings of our research are as follow: 1) Ownership Type and Fundamental Factors have significant effect toward bank performance. It implies to support indirectly study of Rokhim (2006). 2) From eight variables of ownership type only foreign, Soeharto, Listed and Cross and three variables of Fundamental Factors, only cost respectively have a significant effect in level 5 % toward bank performance. 3) Robustness test with GLS fixed effeci has consistent result with OLS non data panel.