Yogyakarta-September 08th, 2020. Quinci Fransiska, SE., M.Sc., Lecturer at the Management Study Program at the Cendrawasih University successfully achieve “Very Satisfying” predicate in the Open Examination, Doctoral in Management Program, Faculty of Economics and Business, Universitas Gadjah Mada. The student who supervised by Prof. Marwan Asri, MBA., Ph.D., was able to defend her dissertation in front of a team of examiners entitled “The Determinants of Non-Interest Income and the Effect of Income Diversification on Risks to the Banking Industry in Indonesia”.
Present as Chair of the Examination Team, Eko Suwardi, M.Sc., Ph.D., Dean of the FEB UGM. Furthermore Prof. Marwan Asri, MBA., Ph.D (Promoter), Kusdhianto Setiawan, Sivilekonom., Ph.D. (Co-Promoter, I Wayan Nuka Lantara, M.Sc., Ph.D. (Co-Promoter), Prof. Mamduh M Hanafi, MBA., Ph.D. (Assessment Team), Eddy Junarsin, MBA., Ph .D. (Assessment Team), Dr. Wendy, M.Sc. (Assessment Team), Prof. Eduardus Tandelilin, MBA., Ph.D. (Testing Team), and Bowo Setiyono, M.Com., Ph.D (Testing Team).
Dr. Quinci Fransiska, M.Sc., research saw that there was a shift in banking functions in Indonesia from intermediary financial to financial services due to the customer’s needs following technological advances. Using fixed effect model, this study aims to examine and analyze financial indicators that are considered to affect the banking financial system. The test results of 30 banks with 360 observations show that the determinant of non-interest income activity in banking in Indonesia is determined by the size of the asset (size). Meanwhile, the capital adequacy ratio (CAR), non-performing loans (NPL), loan to deposit ratio (LDR) did not have a significant effect on non-interest income activities. Researchers suggest further research to test with other models using a non-interest income proxy divided by total assets. Furthermore, the policy implication of this research is that banks must rectify non-interest income based on technology, but the most important thing is to be able to minimize the risk that both banks and customers will accept in the form of policies that are pro-both parties, of course based on Bank Indonesia regulations. appointed as the central bank in Indonesia”.
Dr. Quinci Fransiska, M.Sc., is the 4893th Doctor who graduated in Universitas Gadjah Mada and the 291th who passed the exam at FEB UGM. (RP)