Update Artikelilmiah: 11884

NUR ZAHROH HAMIDAH

NIM

Judul Artikel

Abstrak (Bhs. Indonesia)

Penelitian ini berjudul “The Effect Deposit Insurance System (DIS), Bank Size, and Leverage on Bank Risk Taking”. Tujuan penelitian ini adalah untuk menganalisis pengaruh implementasi system penjaminan simpanan, ukuran bank, dan leverage terhadap pengambilan risiko bank. 
Objek penelitian ini adalah populasi bank BUMN selama periode 2001 hingga 2014 yang terbagi menjadi periode jaminan penuh (blanket) dan periode jaminan terbatas (limited). Penelitian ini menggunakan analisis data panel dengan model fixed effect. Hasil penelitian ini menunjukkan bahwa sistem jaminan penuh, ukuran bank, dan leverage mempunyai pengaruh positif terhadap bank dalam hal pengambilan risiko. Artinya, bank cenderung mengambil risiko berlebih ketika deposito dijamin penuh oleh jaminan simpanan.
Implikasi penelitian ini adalah regulator (LPS) harus memperhatikan sistem premi berdasarkan risiko untuk meminimalisir moral hazard bank yang cenderung menyalurkan kredit secara berlebihan. Regulasi yang dibuat untuk menekan pengambilan risiko oleh bank harus fokus pada kecukupan modal bank. Selain itu, otoritas bank dapat meningkatkan disiplin pasar untuk mendorong bank agar menjalankan aktivitas bisnisnya secara sehat, hati-hati, dan efektif.

Abtrak (Bhs. Inggris)

This study entitled “The Effect of Deposit Insurance System (DIS), Bank Size, and Leverage on Bank Risk Taking”. The aim of this research was to analyze the effect of the implementation of deposit insurance system (DIS), bank size, and leverage on bank risk taking. 
The object of research was the population of Indonesian State Owned Banks for the period 2001-2014 which was divided into blanket and limited guarantee period. The research conducted in panel data analysis using the fixed effect model approach. The research shows that blanket guarantee system, bank size, and leverage have positive effect on bank risk taking. It means that an excessive scope of insurance coverage will make bank feel more secured to take more risk. The proxy of bank risk taking uses loan to total assets.
Implication of this research is regulator (IDIC) should pay attention to the risk based premium or differential premium to minimize moral hazard that possibly taken by bank by granting an excessive loan.  The regulation designed to rein in the bank risk taking of banks should focus more on capital requirements. In addition, banking authorities can also increase their reliance on market discipline that imposes strong incentives on banks to conduct their business in a sound manner.

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