Image of Ekspansi layanan jasa perbankan pada bank umum konvensional di Indonesia : implikasi terhadap interest margin dan loan pricing periode 2005-2011

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Ekspansi layanan jasa perbankan pada bank umum konvensional di Indonesia : implikasi terhadap interest margin dan loan pricing periode 2005-2011

This study observed 86 commercial banks in Indonesia over 2005-2011 period to investigate how the expansion of banking services into non-interest activities has effected their interest margins and loan pricing. We use panel data methodology with fixed effect model to estimate econometric models. The increase of banks? non-interest income during 2005-2011 shows there is diversification in their products. This study find that more diversified bank is associated with lower interest margin and lending rate, relative to less diversified bank. This negative relationship come up as a result of cross-selling strategy between credit activity and non-traditional activities. Banks will underprice their credit risk during the increasing of non-interest income share when setting the loan price. The commission and fee income share and trading income provide further explanation of the effect of product diversification for interest margins and bank loan pricing.Ada tabel

Ketersediaan

Call NumberLocationAvailable
8419PSB lt.2 - Karya Akhir1
Penerbit Depok Program Studi Manajemen, Fakultas Ekonomi Universitas Indonesia.,
Edisi -
Subjek Banks and banking
Diversification
Interest margin
Loan pricing
Cross selling
ISBN/ISSN -
Klasifikasi -
Deskripsi Fisik xvi, 196 p. : diagr. ; 30 cm.
Info Detail Spesifik -
Other Version/Related Tidak tersedia versi lain
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