Dinamika kebijakan pemerintah terkait persaingan dan konsentrasi di industri perbankan Indonesia, sebagai respons terhadap Krisis Keuangan Asia dan Global, menimbulkan dua pertanyaan utama: apakah kebijakan yang mendukung konsolidasi dapat meningkatkan stabilitas finansial dan apakah kebijakan ini memiliki dampak negatif terhadap saluran transmisi kredit bank. Menggunakan data keuangan triwulan…
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This study intends to determine whether a shock that occurred in developed countries, the source of funding, was transmitted to Indonesia through international bank lending both directly and indirectly. The methods used estimated the determinants of international bank lending. International bank lending is one form of capital flows that have the potential for rapid reversal and that can lead to…
Penelitian ini bertujuan untuk menganalisis bank market power dan efektivitas bank lending channel di ASEAN-5 (Indonesia, Singapore, Malaysia, Thailand dan Philippine). Penelitian juga menyadari peran akan karakteristik dari bank dan negara, seperti ukuran bank, rasio modal, pertumbuhan ekonomi dan trade openness. Metode analisis yang digunakan adalah first-difference GMM melalui data panel din…
Krisis keuangan sebelumnya telah menunjukkan pentingnya risiko dalam siklus keuangan dan bisnis dalam perekonomian. Studi ini melakukan analisis terhadap tiga siklus penting dalam perekonomian, yaitu (i) siklus bisnis ? risiko makro, (ii) siklus kredit dan (iii) siklus risiko, serta dampak ketiga siklus tersebut pada performa bank individu. Kami melakukan analisis respon siklus kredit dan siklu…
Krisis keuangan sebelumnya telah menunjukkan pentingnya risiko dalam siklus keuangan dan bisnis dalam perekonomian. Studi ini melakukan analisis terhadap tiga siklus penting dalam perekonomian, yaitu (i) siklus bisnis ? risiko makro, (ii) siklus kredit dan (iii) siklus risiko, serta dampak ketiga siklus tersebut pada performa bank individu. Kami melakukan analisis respon siklus kredit dan siklu…
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This paper investigates the dynamic relationship between capital inflows and bank lending in Indonesia. We use a Structural Vector AutoRegression (SVAR) model that allows exogenous international commodity prices and global financial market fluctuations to influence capital inflows. We find that commodity price shocks are more important as compared to global financial shocks in explaining the va…
The previous financial crisis has revealed the importance of risk in the financial and business cycle within the economy. This paper examines relationship among three cycles in the economy, namely (i) business cycle macro risk, (ii) credit cycle and (iii) risk cycle, and their impacts toward individual bank performance. We examine the responses of individual bank credit cycle and risk cycle tow…
It is widely suggested in the literature that procyclicality of bank lending behavior may lead to financial instability. This study examines bank-lending channel over the business cycle for Indonesian dual banking system by ascertaining to what extent Islamic banks have a role in the credit smoothing. In this context, we utilize Indonesian dual banking system unbalanced panel data for the perio…
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Penelitian ini bertujuan untuk menganalisa pengaruh market power terhadap efektivitas transmisi kebijakan moneter melalui bank lending channel. Selain itu, pengujian terhadap sesitifitas deposito terhadap penyaluran kredit juga dilakukan untuk mengidentifikasi keberadaan bank lending channel sebagai saluran transmisi kebijakan moneter. Dengan menggunakan data panel terhadap 103 bank umum di In…
This research aims to analyze the impact of bank ownership towards bank behavior in response to BI Rate Change in Indonesia during 2006-2009 periods. The purpose is to investigate the effectiveness of bank lending channel in the transmission mechanism of monetary policy by Bank Indonesia and how bank ownership plays role in its behavior. This research finds that bank ownership affects to the ba…
Banks in Indonesia are one among all financial institution with crucial role while most of economic funding are provided by Banks. Therefore, Banks has an important role in monetary policy transmission that is applied by the central bank. This research is intended to analyze the market structure which is formed in Banking Sector Industry in Indonesia and its relation to the effectivity of monet…
Penelitian ini mencoba melihat peran dari perbankan Islam dalam mentransmisikan kebijakan moneter melalui jalur bank lending channel di Indonesia. Selain itu penelitian ini juga bertujuan untuk mengetahui apakah sektor perbankan Islam di Indonesia yang seharusnya merupakan interest-free banking masih dipengaruhi oleh variabel tingkat suku bunga. Penelitian ini menggunak…
Tujuan dari penelitian ini adalah untuk menguji pengaruh penundaan pengakuan cadangan kerugian kredit terhadap penyaluran kredit serta menguji bagaimana pengaruh penundaan pengakuan cadangan kerugian kredit tersebut terhadap variabel intervensi rasio modal bank dilanjutkan dengan menguji bagaimana pengaruh variabel intervensi rasio modal terhadap penyaluran kredit. Kedua pengujian unt…
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This study examines the impact of non-performing loans on banks in Indonesia. This study also uses other variables that affect bank lending and includes the 2020 Covid-19 pandemic factor. This study uses the generalized least squares and random effect panel data method with quarterly data for 11 years (2010-2020). This study indicates that non-performing loans and non-performing loans have a ne…