Pengaruh Demographic Diversity terhadap Risiko Perbankan di Indonesia

Authors

  • Aulia Keiko Hubbansyah Universitas Pancasila, Jakarta, Indonesia
  • Nurul Hilmiyah Universitas Pancasila, Jakarta, Indonesia
  • Safitri Siswono Universitas Pancasila, Jakarta, Indonesia
  • Darmanto Universitas Pancasila, Jakarta, Indonesia
  • Maulana Hasanudin Universitas Pancasila, Jakarta, Indonesia

DOI:

https://doi.org/10.38035/jmpis.v6i6.6585

Keywords:

Demografi, Risiko, Gender, Usia, Direksi

Abstract

Studi ini bertujuan menganalisis faktor keberagaman demografi pada kelompok dewan direksi terhadap perilaku berisiko perbankan di Indonesia. Dengan menggunakan metode Differences-In-Differences dan melibatkan 47 bank selama periode 2010-2023, studi ini menemukan bahwa penurunan rata-rata usia anggota dewan direksi secara signifikan meningkatkan perilaku berisiko perbankan. Sejalan dengan itu, meningkatnya representasi eksekutif perempuan dalam komposisi dewan direksi berkontribusi terhadap menurunnya perilaku berisiko perbankan. Ini mengindikasikan bahwa keberadaan perempuan di dewan bukan sekadar simbolik, melainkan memiliki dampak nyata. Di antara variabel kontrol, studi ini menemukan bahwa total aset dan rasio kecukupan modal yang lebih tinggi secara konsisten berkorelasi negatif terhadap risiko portofolio dalam semua regresi. Koefisien pertumbuhan PDB yang positif dan signifikan dalam beberapa regresi menunjukkan bahwa risiko portofolio cenderung bergerak secara pro-siklus.

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Published

2025-11-27

How to Cite

Hubbansyah, A. K., Hilmiyah, N., Siswono, S., Darmanto, & Hasanudin, M. (2025). Pengaruh Demographic Diversity terhadap Risiko Perbankan di Indonesia. Jurnal Manajemen Pendidikan Dan Ilmu Sosial, 6(6), 5730–5741. https://doi.org/10.38035/jmpis.v6i6.6585

Issue

Vol. 6 No. 6 (2025): Jurnal Manajemen Pendidikan dan Ilmu Sosial (Oktober-November 2025)

Section

Articles

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Copyright (c) 2025 Aulia Keiko Hubbansyah, Nurul Hilmiyah, Safitri Siswono, Darmanto, Maulana Hasanudin

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