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Prestasi dan factor-faktor yang mempengaruhi bank-bank di Indonesia sebelum dan selepas krisis kewangan

Agustin, Hamdi (2015) Prestasi dan factor-faktor yang mempengaruhi bank-bank di Indonesia sebelum dan selepas krisis kewangan. PhD. thesis, Universiti Utara Malaysia.

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Abstract

The purpose of this study is to examine whether performance of Indonesian banks is affected by ownership structures, status of banks, total equity, financial crisis, economic growth and financial ratios. Banks performance is measured by cost efficiency and profitability (Data Envelopment Analysis and Profitability (Return on Assets and Return on Equity). The sample consists of 74 banks namely 56 private banks, 15 BPDs, and three federal banks from 1995 to 2006. The data was analyzed using four methods, namely, ordinary least-squares, general least squares, random effects and tobit regression. Additional analyses were conducted in which extreme data values were adjusted either by using 0.5 percent truncating approach or three standard deviations truncating approach. Data analysis was done for all data from 1995 to 2006. To see the impact of the financial crisis, the data is divided into during and outside crisis periods. The findings from DEA analysis show that government banks are more efficient than private banks or district development banks and regression analysis show that district development banks performed better compared to private banks. The amount of equity affects both the cost efficiency and the profitability of banks while economic growth, financial crisis, and financial ratios affect the profitability of banks. Bank status has no effect on bank performance. This study contributes significantly to the policy makers. They should not change the structure of government-owned local banks in Indonesia, ensure that the political situation is stable, and the economy is well managed. Meanwhile for the bankers, this study shows that first, managers need to increase the amount of equity capital. Second, managers should be aware that providing foreign currency services do not increase bank performance. Third, managers should ensure that the cost is always at an optimal level and finally, they should consider mergers. In addition, this study also enriches the literature on the banking industry in Indonesia as it discusses a unique form of bank ownership in Indonesia, i.e. the district development banks which are owned by the local government

Item Type: Thesis (PhD.)
Uncontrolled Keywords: Bank performance, district development banks, ownership structure, financial crisis
Subjects: H Social Sciences > HB Economic Theory
H Social Sciences > HG Finance
Divisions: Othman Yeop Abdullah Graduate School of Business
Depositing User: Mr. Badrulsaman Hamid
Date Deposited: 30 Aug 2015 03:03
Last Modified: 12 Apr 2016 01:30
URI: http://etd.uum.edu.my/id/eprint/4898

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