Ahmad Erani Yustika_abstract_1622012

PERKEMBANGAN PERBANKAN DAN PROBLEM INTERMEDIASI

Abdul Manap Pulungan
Badan Supervisi Bank Indonesia (BSBI)
 
Ahmad Erani Yustika
Fakultas Ekonomi dan Bisnis – Universitas Brawijaya
Jl. MT.Haryono No.165 Malang, 65145.

Korespondensi dengan Penulis:
Ahmad Erani Yustika: Telp. +62 341 418 871
E-mail: erani@fe.unibraw.ac.id; erani73@yahoo.com

Abstract

After economy crisis in 1997/1998, gradually banking intermediation had held its function again although until now it was still far from what it was hoped.  Some banks had already fulfilled the regulation of Indonesia Bank to give credit more than 78% (LDR), but there were still many banks that had not fulfilled the regulation. The factors of high interest rate, banking efficiency, and economy infrastructure availability were considered as the factors that impeded the banking intermediation function.  Not all those problems belonged to Indonesia Bank. However, some of them were the homework for government (like economy infrastructure supplying).  Thus, cooperation between Indonesia Bank and government was something that had to be done to finish the problem.  Besides, there were other problems that needed to be paid attention in bank performance that was gradually better. They were: (1) banking credit which was farther from real sector (agriculture and industry); (2) credit which was not evenly distributed in all areas (3) savings dominated by short term fund; (4) banking structure which tended oligopoly; and (5) most savings or fixed deposits which were dominated by few account owners.

Key words: intermediation function, credit, interest rate, real sector, Indonesia Bank

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