ANALISIS STRUKTUR PASAR PERBANKAN UMUM DI INDONESIA TAHUN 2004 ­- 2008

FAKHRUDDIN, FAKHRUDDIN (2010) ANALISIS STRUKTUR PASAR PERBANKAN UMUM DI INDONESIA TAHUN 2004 ­- 2008. Other thesis, University of Muhammadiyah Malang.

[img]
Preview
Text
ANALISIS_STRUKTUR_PASAR_PERBANKAN_UMUM_DI_INDONESIA_TAHUN_2004.pdf

Download (105kB) | Preview

Abstract

As consequence development of woke up banking with office of branch system in area can personate commercial bank investmen at the same time bank. This condition is made worse with monetary crisis momen 1997 punching economics of our state and also its glimpse do not aside from at industry banking of national. At that moment predominate Government banks in determining rate of interest storey; level still very dominant. Existence of rate of interest promotion of ranking at Government banks will is immediately followed by other banks of that goodness of private bank and also mixture bank. That way also if happened degradation of rate of interest storey;level at Government banks, this degradation will follow by other banks. Related/Relevant of market structure with banking world in seen from market which consist of buyer and seller either through aktual and is potential the than a product. Market structure relate to environmental atmosphere of kompetitif of which buyer and seller can operate its product. This Formula research internal issue is (1) How market structure banking of public in Indonesia at period of year 2004 until 2008 seen from market concentration storey; level? (2) Do totalizeing asset, credit, third party fund influence obtained by profitability bank? Research type the used is research of relation/link or asosiatif of kausal that is research type with characteristic of problem of in the form of causality between 2 variable or more. This research try to explain total influence of asset, third party fund and credit to bank profitability and how market structure banking of public in Indonesia in year range of time 2004 up to year 2008 seen from market concentration. used Technique data collecting that is Documentation. Documentation is Technique data collecting of secundary coming from documents released by compiler institute and publisher of data. Datas supporting this research that is documents published by Indonesia Bank like report about peringkat of bank pursuant to third party fund, peringkat of public bank pursuant to totalizeing asset and peringkat of bank pursuant to credit. Technique analyse data use quantitative descriptive analysis. In measuring industrial structure there are two company concentration indicator used occasionally, that is concentration ratio. Later; Then analyse doubled regresi, test of F and test t. Pursuant to result of research obtained by result of that basically CR4 and also of CR8 if seenfrom DPK and Credit follow CR Asset so that tendency 4 bank master market compartment as a whole also master DPK as well as channelled Credit that way the things of with CR8 which more or less show same thing so that this matter strengthen previous conclusion that banking structure in Indonesia when seen from CR4 and of CR8 can be told to have oligopoly market structure. Pursuant to result of regresi seen that from all variable do not have an effect on to profitability, pursuant to test of t also seen that by parsial all variable do not have an effect on where assess ttabel equal to 2,3060 while value of thitung for X1 equal to ­ 2,286, X2 equal to 1,303 and X3 equal to 1,964 meaning value of thitung smaller than ttabel, is but seen by result of calculation of test of F obtained by value equal to 8,151 and Ftabel equal to 6,59138 where value of Fhitung bigger than Ftabel so that can be expressed that by simultan (free variable bersama­sama) have influence which is signifikan to variable tied. Pursuant to result of analysis can be concluded by several things about market structure banking of public in Indonesia in Indonesia: (1) Structure market banking of public in Indonesia in the year 2004­2008 having structure of oligopoly with high concentration storey;level that is above 40%, this shown by ratio concentration value for the banking of (CR4 equal to 47,8%, CR8 equal to 60,2%). Its meaning 4 biggest bank master about 47,8% or 8 biggest bank master 60,2% from entire/all bank in Indonesia. (2) Bank owning highest asset 3 among others is bank property of government that is: BNI, BRI and Bank Mandiri while private bank is BCA. But if enhanced four bank hereinafter that is becoming eight highest bank hence reverse of structure above from is fourth of him three occupied by private bank and one by Government bank that is: Bank of Danamon Indonesia, International Bank of Indonesia, Bank Jewel and Savings Bank State Government bank. From result of calculation of CR4 and of CR8 seen that during 5 downhill year progressively and affect also at degradation of profitability storey; level.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economic > Department of Economics and Development Studies
Depositing User: Rayi Tegar Pamungkas
Date Deposited: 13 Apr 2012 02:24
Last Modified: 13 Apr 2012 02:24
URI: http://eprints.umm.ac.id/id/eprint/2133

Actions (login required)

View Item View Item