DAMPAK TINGKAT KONSENTRASI TERHADAP KINERJA DAN STABILITAS PERBANKAN DI INDONESIA TAHUN 2003-2013
Prodi Manajemen Fakultas Ekonomi Universitas Mulawarman
Jl. Tanah Gerogot Kampus Gn. Kelua-Samarinda, 75119, Indonesia.
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The Indonesian Banking Architecture policy had increased banks’ concentration to strengthen their capital structure. Banks were forced to increase their capital so that banks consolidation might occur through mergers and or acquisitions. Based on these conditions, the purpose of this study was to analyze the impact of bank concentration level to the performance and stability of the bank. Using the efficiency hypothesis, “concentration-stability” hypothesis, and “concentration-fragility” hypothesis, this study analyzed the entire conventional banks in Indonesia. The data used were secondary data from Bank Indonesia and the Central Bureau of Statistics from 2003 to 2013, with panel data regression using eviews program. The results showed that banking industries in Indonesia supported the efficiency hypothesis and the “concentration-stability” hypothesis.
Key words: banking, concentration, efficiency, stability