KOMPLEKSITAS LINGKUNGAN DAN REGULASI PEMERINTAH:
IMPLIKASINYA TERHADAP KINERJA PERBANKAN
DI JAWA TIMUR
Jurusan Manajemen Fakultas Ekonomi UPN “Veteran” Yogyakarta
Jl.SWK 104 (Lingkar Utara) Condong Catur Yogyakarta, 55283.
Fakultas Ekonomi dan Bisnis Universitas Brawijaya Malang
Jl. MT.Haryono No.165 Malang, 65145.
Korespondensi dengan Penulis:
Sabihaini: Telp. +62 274 655 2489, Fax. +62 274 486 255.
This research was designed to describe the causal relationships between environmental complexity, government regulation, diversification levels, and performance. This research was conducted toward banking industry in East Java, in which the research samples were the top ten (10) well performed national commercial banks. The analysis was performed using Structural Equation Modeling (SEM). The research shows that: (1) the higher environmental complexity level, the diversification made by the bank toward its major function was getting further or business activities of the bank was tend to be fee-based income activities and in fact increase bank’s performance; (2) banking industry were encouraged to focus on its major function as intermediary corporation due to intense support of government and reserve bank of Indonesia. However, the banking performance was getting lower if the support of government and reserve bank of Indonesia on the main function of the bank (credit distribution) was getting higher. This investigation suggest that control system was needed in order to increase the main function of the bank without increasing its risks.
Key words: environmental complexity, government regulations, diversification levels, banking performance.