Listin Afriani, NIM : 92224011 (2026) PENGARUH DIVERSIFIKASI PENDAPATAN, RISIKO KREDIT, DAN EFISIENSI TERHADAP PROFITABILITAS DENGAN UKURAN BANK SEBAGAI VARIABEL MODERASI (STUDI EMPIRIS PADA PERBANKAN DI INDONESIA). Masters thesis, UNIVERSITAS MUHAMMADIYAH PALEMBANG.

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Abstract

The Effect Of Revenue Diversification, Credit Risk, and Efficiency on Profitability With Bank Size as Amoderating Variable (An Empirical Study of Banking in Indonesia) Listin Afriani Listin Afriani. 2026. The Effect Of Revenue Diversification, Credit Risk, and Efficiency on Profitability With Bank Size As Amoderating Variable (An Empirical Study of Banking in Indonesia. Advisor (1) Prof. Dr. Fatimah, S.E., M.Si, and Advisor (2) Dr. Mister Candera, S.Pd., M.Si. Abstract This study aims to analyze the effect of revenue diversification, credit risk, and efficiency on bank profitability and examine the role of bank size as a moderating variable. Using an associative research method with a quantitative approach, the study population included 46 banking companies listed on the Indonesia Stock Exchange (IDX) for the 2020–2024 period. Using a purposive sampling technique, a sample of 15 banks was obtained, with a total of 75 observations. Secondary data were analyzed using descriptive statistics, classical assumption tests, and moderated regression analysis (MRA) using SPSS 25 software. Profitability was measured using return on assets (ROA), revenue diversification using the net interest income (NII) ratio, credit risk using non-performing loans (NPL), and efficiency using the operating expense (BOPO) ratio. The results showed that revenue diversification and efficiency significantly negatively impacted profitability, while credit risk significantly impacted profitability. Furthermore, bank size was shown to strengthen the effect of revenue diversification on profitability and weaken the effect of credit risk on profitability. However, bank size did not significantly moderate the effect of efficiency on profitability. Keywords: Revenue Diversification, Credit Risk, Efficiency, Profitability, Bank Size.

Item Type:	Thesis (Masters)
Additional Information:	Pembimbing 1. Prof. Dr. Fatimah, S.E., M.Si. 2. Dr. Mister Candera, S.Pd., M.Si.
Uncontrolled Keywords:	Keywords: Revenue Diversification, Credit Risk, Efficiency, Profitability, Bank Size.
Subjects:	Ekonomi dan Bisnis > Manajemen
Divisions:	Program Pasca Sarjana > Manajemen (S2)
Depositing User:	mahasiswa Fakultas Ekonomi & Bisnis
Date Deposited:	10 Oct 2026 03:10
Last Modified:	10 Oct 2026 03:10
URI:	http://repository.um-palembang.ac.id/id/eprint/37669

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