PENGARUH PENDAPATAN NON BUNGA (FEE BASED INCOME), PERMODALAN DAN RISIKO BANK TERHADAP PROFITABILITAS BANK PEMBANGUNAN DAERAH (BPD) DI INDONESIA PADA MASA SEBELUM DAN SETELAH PANDEMI COVID-19

Beni Ade Gunawan, Ade Gunawan (2025) PENGARUH PENDAPATAN NON BUNGA (FEE BASED INCOME), PERMODALAN DAN RISIKO BANK TERHADAP PROFITABILITAS BANK PEMBANGUNAN DAERAH (BPD) DI INDONESIA PADA MASA SEBELUM DAN SETELAH PANDEMI COVID-19. S2 thesis, Universitas Andalas.

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Abstract

Pengaruh Pendapatan Non Bunga (Fee Based Income) Permodalan dan Risiko Bank terhadap Profitabilitas Bank Pembangunan Daerah (BPD) di Indonesia pada Masa Sebelum dan Setelah Pandemi Covid-19 Beni Ade Gunawan1, Mohamad Fany Alfarisi2, Rida Rahim3 Andalas University Master of Management Department Corresponding Author: beniadegunawan@gmail.com1 Padang 25171, Indonesia Abstract This study aims to analyze the influence of non-interest income (fee-based income) on the financial performance of Regional Development Banks (BPD) in Indonesia before and after the COVID-19 pandemic. Fee-based income is considered a strategic alternative in the face of pressure on traditional interest income during times of crisis. Bank performance is measured using Return on Assets (ROA), with independent variables including Fee Based Income (FBI), Capital Adequacy Ratio (CAR), Allowance for Impairment Losses (CKPN), and bank size. The data used are the annual financial statements of 27 Regional Development Banks (BPD) in Indonesia for the period 2017–2023. The research results indicate that fee-based income has a varied relationship with bank performance depending on conditions before and after the pandemic. Some BPDs showed improved performance and non-interest income, while others experienced a decline. This research is expected to contribute to the development of more stable bank revenue strategies and be beneficial to policymakers and regional bank management. Keyword: Fee-Based Income, Bank Performance, Return on Assets (ROA), Regional Development Bank (BPD), COVID-19 Pandemic Pengaruh Pendapatan Non Bunga (Fee Based Income) Permodalan dan Risiko Bank terhadap Profitabilitas Bank Pembangunan Daerah (BPD) di Indonesia pada Masa Sebelum dan Setelah Pandemi Covid-19 Beni Ade Gunawan1, Mohamad Fany Alfarisi2, Rida Rahim3 Jurusan Magister Manajemen Universitas Andalas Penulis Korespodensi : beniadegunawan@gmail.com1 Padang 25171, Indonesia Abstrak 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. Kata Kunci: Fee Based Income, Kinerja Bank, Return on Assets (ROA), Bank Pembangunan Daerah (BPD), Pandemi COVID-19

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