BANKING INDUSTRY COMPETITION IN INDONESIA | Zendy

Ratna Sri Widyastuti | Zendy; Boedi Armanto | Zendy

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BANKING INDUSTRY COMPETITION IN INDONESIA

Author(s) -

Ratna Sri Widyastuti,

Boedi Armanto

Publication year - 2013

Publication title -

deleted journal

Language(s) - English

Resource type - Journals

SCImago Journal Rank - 0.505

H-Index - 4

ISSN - 2460-9196

DOI - 10.21098/bemp.v15i4.433

Subject(s) - competition (biology) , monopoly , indonesian , business , panel data , lerner index , banking industry , monopolistic competition , financial system , industrial organization , economics , market economy , market power , ecology , linguistics , philosophy , econometrics , biology

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). JEL Classification : C23, D40, E44, E58, G21, L11

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