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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 Number | Location | Available |
|---|---|---|
| 8419 | PSB lt.2 - Karya Akhir | 1 |
| Penerbit | Depok: Program Studi Manajemen, Fakultas Ekonomi Universitas Indonesia 2013 |
|---|---|
| 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 |
| Lampiran Berkas | Tidak Ada Data |