Kompetisi Industri Perbankan Indonesia

Ratna Sri Widyastuti and Boedi Armanto ()

Bulletin of Monetary Economics and Banking, 2013, vol. 15, issue 4, 417-439

Abstract: This paper analyzes the competition level of banking industry, prior and after the introduction of Indonesian Banking Architecture (API). Using panel data, the result shows the competition of banking decreased after the introduction of API, with large tendency to monopoly or collusive olligopoly. For the bank with niche market such as regional bank and mix bank, the introduction of API did not affect much, while the competition level for foreign bank is the lowest one. Non price variable would be the main determinant on banking competition in the future, including number of branches, wage and credit volume.

Keywords: banking competition; market structure; Indonesian Banking Architecture (API). (search for similar items in EconPapers)
JEL-codes: C23 D40 E44 E58 G21 L11 (search for similar items in EconPapers)
Date: 2013
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Persistent link: https://EconPapers.repec.org/RePEc:idn:journl:v:15:y:2013:i:4e:p:417-439

DOI: 10.21098/bemp.v15i4.74

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