Pengaruh Pendapatan Non Bunga (Fee Based Income) Permodalan dan Risiko Bank terhadap Kinerja Bank Pembangunan Daerah (BPD) di Indonesia pada Masa Sebelum dan Setelah Pandemi Covid-19
DOI:
https://doi.org/10.38035/jafm.v6i3.2304Keywords:
Fee Based Income, Kinerja Bank, Return on Assets (ROA), Bank Pembangunan Daerah (BPD), Pandemi COVID-19Abstract
Penelitian ini bertujuan untuk menganalisis pengaruh pendapatan non bunga (fee based income) terhadap kinerja keuangan Bank Pembangunan Daerah (BPD) di Indonesia sebelum dan setelah pandemi COVID-19. Fee based income dipertimbangkan sebagai alternatif strategis dalam menghadapi tekanan terhadap pendapatan bunga tradisional selama masa krisis. Kinerja bank diukur menggunakan Return on Assets (ROA), dengan variabel independen meliputi Fee Based Income (FBI), Capital Adequacy Ratio (CAR), Cadangan Kerugian Penurunan Nilai (CKPN), dan ukuran bank (Size). Data yang digunakan merupakan laporan keuangan tahunan dari 27 BPD di Indonesia pada periode 2017–2023. Hasil penelitian menunjukkan bahwa fee-based income memiliki hubungan yang bervariasi terhadap kinerja bank tergantung pada kondisi sebelum dan setelah pandemi. Sebagian BPD menunjukkan peningkatan kinerja dan pendapatan non bunga, sementara sebagian lainnya mengalami penurunan. Penelitian ini diharapkan dapat memberikan kontribusi bagi pengembangan strategi pendapatan bank yang lebih stabil serta bermanfaat bagi pengambil kebijakan dan manajemen perbankan daerah.
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