KOMPETISI DAN PENGAMBILAN RISIKO DALAM INDUSTRI PERBANKAN NASIONAL
Aloysius Deno Hervino
Maria Margaretha Sumaryati
Prodi Ekonomi Pembangunan Fakultas Ekonomi Unika Atma Jaya Jakarta
Gedung Karol Wojtyla Lt.6, Jl.Jenderal Sudirman Kav.51, Jakarta 12930, Indonesia
Korespondensi dengan Penulis:
Aloysius Deno Hervino: Telp. +62 21 570 8815; Fax. +66 21 570 8814
E-mail: adhervino@gmail.com
Abstract
This research aimed to prove that the degree of banking competition on collecting funds in Indonesia banking industry was able to explain the risk-taking lending behavior in its intermediary function, including the influence of some macro economy variables such as gross domestic product (GDP) and interbank money market (PUAB). Using error correction model engel granger (ECM-EG), the results of this research were both shortrun and long-run model. The degree of the banking competition had non-monotonic relationship on the risktaking lending behavior in Indonesia banking industry; moreover, the GDP had positif impact and the PUAB had a negtive impact on it.
Keywords: bank competition, bank failure, Herfindahl-Hirschman Index, risk-taking, z-score
19215347355_Aloysius Deno Hervino (Full Text)
