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Rizka Rimasda

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Open access Jul 2026

Does Income Diversification Improve Bank Performance? A Panel Study of Regional Development Banks and Commercial Banks in Indonesia

This study examines the effect of income diversification on bank performance in Indonesia using a Fixed Effect model with clustered standard errors. Bank performance is measured by ROA, ROE, SHROA, SHROE, and Z_SCORE, while income diversification is proxied by DIV_ADJ. The model also includes bank type, digitalization,...

Rizka Rimasda, Maria Ulpah · 0 citations

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