STRUKTUR PASAR PERSAINGAN PERBANKAN INDONESIA DALAM PERIODE KONSOLIDASI

  • Sutardjo Sutardjo
  • Arief Daryanto
  • Bustanul Arifin
  • D. S. Priyarsono

Abstract

The objective of this study is to investigate evidence of market structure and to analyze market structure variables that influence bank revenue in the Indonesian banking market during the consolidation era. The Hirschman-Herfindahl (HHI) and Concentration Ratio Four (CR4) indices indicated decreasing trend and low level of market concentration. The test of market competition by using Panzar-Rosse approach at industry level indicating a monopolistic competition behaviors among banks. In addition,the market for interest-based income is found to be more competitive than that of for fee-based income. The study also suggest that during the consolidation period, input price of banks product seems higher. In addition, the study conclude that there is no indication of changes of the Indonesian banking market structure in the period of 1999-2009. The result of partial analysis also indicate a monopolistic competition behaviors among banks according to their ownership status. Accordingly, the market for non interest based income is found to be more competitive than that of interest based income for the Joint Venture Bank (Bank Campuran) and the Foreign Bank (Bank Asing).
Keywords : Market Structure, HHI, CR4, Panzar and Rosse

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Author Biography

Sutardjo Sutardjo
Jurnal Manajemen dan Bisnis (JMA) adalah Pulikasi dalam bentuk jurnal yang dikelola oleh Program Pascasarjana Manajemen Bisnis Institut Pertanian Bogor. JMA memuat informasi hasil kegiatan penelitian, pemikiran konseptual dan review bidang ilmu manajemen dan agribisnis. Jurnal ilmiah ini diterbitkan oleh Program Studi Magister Manajemen Agribisnis Program Pascasarjana Institut Pertanian Bogor. Mulai diterbitkan pada tahun 2004 dengan frekwensi terbit 2 kali dalam setahun,yakni pada bulan Maret dan Oktober
How to Cite
Sutardjo, S., Daryanto, A., Arifin, B., & Priyarsono, D. S. (1). STRUKTUR PASAR PERSAINGAN PERBANKAN INDONESIA DALAM PERIODE KONSOLIDASI. Jurnal Manajemen & Agribisnis, 8(2), 115-127. https://doi.org/10.17358/jma.8.2.115-127