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COMPETITIVE CONDITIONS IN BANKING INDUSTRY: AN EMPIRICAL ANALYSIS OF THE CONSOLIDATION, COMPETITION AND CONCENTRATION IN THE INDONESIA BANKING INDUSTRY BETWEEN 2001 AND 2009

Buletin Ekonomi Moneter dan Perbankan · Vol. 14 No. 2 (2012) · hlm. 151–186

DOI
10.21098/bemp.v14i2.461
ISSN
2460-9196, 1410-8046
Terbit
2012-01-30
Penerbit
Bank Indonesia
Bahasa
ind

Abstrak

Few large banks dominate the Indonesia banking industri. Furthermore, in the past ten years, there were a series of mergers and acquisitions in the banking market. The facts cause implications on competition. In this paper, we examine these issues exploiting an unconsolidated annual financial report of all commercial banks between 2001 and 2009. The Panzar-Rose method is employed to examine the banks behavior in competition. Estimates indicate that banks in all three subsamples, large; medium-sized and small are working in a monopolistically competitive market. The analysis of market concentration supports the conventional view that concentration impairs competition. The study shows that the most competitive market was the medium-sized banks because it was least concentrated. In contrast, the large market was more concentrated thus it was less competitive. The consolidation policies driven by the Central Bank reduced market concentration because mergers and acquisitions were mostly conducted by the mediumsized and small banks. Further the improvement of market share distribution and the increasing capacity of the merging banks enhanced competition in the Indonesia banking industry. Keywords: Banking, market competition, market structure

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  • Sebelas Maret University
  • University of Canberra
  • Satya Wacana Christian University
  • Jenderal Soedirman University
  • Universitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri Purwokerto
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Rekan penulisOrganisasiArtikel bersama
Riyana MirantiUniversity of Canberra4
Fitria Nur RahmawatiSebelas Maret University1
Akhmad DaerobiSebelas Maret University1
Riski WicaksonoSebelas Maret University1
Dhian AdhityaSatya Wacana Christian University1
Amelia Choya Tia RosaliaSebelas Maret University1
Kikin WindhaniJenderal Soedirman University1
Bhimo Rizky SamudroSebelas Maret University1
Yunastiti PurwaningsihSebelas Maret University1
Fajar HardoyonoUniversitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri Purwokerto1
Sri HastjarjoSebelas Maret University1
Rutiana Dwi WahyunengsehSebelas Maret University1

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Sumber metadata: OAI-PMH (metadata jurnal) https://www.bmeb-bi.org/index.php/BEMP/oai, pertama di-harvest 8 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="id-ID">COMPETITIVE CONDITIONS IN BANKING INDUSTRY: AN EMPIRICAL ANALYSIS OF THE CONSOLIDATION, COMPETITION AND CONCENTRATION IN THE INDONESIA BANKING INDUSTRY BETWEEN 2001 AND 2009</dc:title>
	<dc:creator>Mulyaningsih, Tri</dc:creator>
	<dc:creator>Daly, Anne</dc:creator>
	<dc:description xml:lang="id-ID">Few large banks dominate the Indonesia banking industri. Furthermore, in the past ten years, there were a series of mergers and acquisitions in the banking market. The facts cause implications on competition. In this paper, we examine these issues exploiting an unconsolidated annual financial report of all commercial banks between 2001 and 2009. The Panzar-Rose method is employed to examine the banks behavior in competition. Estimates indicate that banks in all three subsamples, large; medium-sized and small are working in a monopolistically competitive market. The analysis of market concentration supports the conventional view that concentration impairs competition. The study shows that the most competitive market was the medium-sized banks because it was least concentrated. In contrast, the large market was more concentrated thus it was less competitive. The consolidation policies driven by the Central Bank reduced market concentration because mergers and acquisitions were mostly conducted by the mediumsized and small banks. Further the improvement of market share distribution and the increasing capacity of the merging banks enhanced competition in the Indonesia banking industry.
&amp;nbsp;
Keywords: Banking, market competition, market structure</dc:description>
	<dc:publisher xml:lang="en-US">Bank Indonesia</dc:publisher>
	<dc:date>2012-01-30</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://www.bmeb-bi.org/index.php/BEMP/article/view/461</dc:identifier>
	<dc:identifier>10.21098/bemp.v14i2.461</dc:identifier>
	<dc:source xml:lang="en-US">Buletin Ekonomi Moneter dan Perbankan; Vol 14 No 2 (2011); 151-186</dc:source>
	<dc:source xml:lang="id-ID">Buletin Ekonomi Moneter dan Perbankan; Vol 14 No 2 (2011); 151-186</dc:source>
	<dc:source>2460-9196</dc:source>
	<dc:source>1410-8046</dc:source>
	<dc:language>ind</dc:language>
	<dc:relation>https://www.bmeb-bi.org/index.php/BEMP/article/view/461/436</dc:relation>
	<dc:relation>10.21098/bemp.v14i2.461.g436</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2015 Tri Mulyaningsih, Anne Daly</dc:rights>
</oai_dc:dc>