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FUNGSI INTERMEDIASI PERBANKAN DI DAERAH: PENGUKURAN DAN IDENTIFIKASI FAKTOR-FAKTOR YANG MEMPENGARUHI

Buletin Ekonomi Moneter dan Perbankan · Vol. 5 No. 4 (2004) · pp. 43–63

DOI
10.21098/bemp.v5i4.317
ISSN
2460-9196, 1410-8046
Published
2004-06-17
Publisher
Bank Indonesia
Language
ind

Abstract

The implementation of the Law No 22 and 25 in 1999 has been recognized as starting point for Indonesia in pursuing a comprehensive and ambitious decentralization program. Decentralization in further step has changed many things including people’s perception especially on the role of regional banks. For some extend the existing regional banks have been claimed as the main cause for “capital flight” from one region to other regions. LDR is used as the only one parameter for claiming that regional banks do not play its role as the intermediary institution and caused the “capital flight”.This paper, derived from the study of the effectiveness of regional banking conducted by PPSK BI, addressed the issue how regional banking should be assessed and what factors affect its effectiveness as intermediary institution. One of the findings of this study is that LDR should not be used as the only one parameter for the effectiveness of regional banks intermediary function. To assess whether regional bank have played its role effectively or not, this study proposed 3 other parameters: RLCR, TLCR and R2. Another important finding of this study is that banking decentralization in term of changes from branch office banking into unit office banking will affect positively the intermediation function of regional bank.

Collaboration network of the authors

24 authors · 57 co-authorship links

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Co-authorOrganisationJoint articles
Agus NuryatinAffiliation unknown2
Ayu OktafiyaniAffiliation unknown2
Anisa Nur LaeliAffiliation unknown1
Wagiran WagiranAffiliation unknown1
Lenny Sisiliya RahmawatiAffiliation unknown1
Lantip Dwi NurgohoAffiliation unknown1
Mukh DoyinAffiliation unknown1
Benny Setiawan SatrioAffiliation unknown1
Maya Nur ArifahAffiliation unknown1
Bayu Aji NugrohoAffiliation unknown1
Azis NugrohoAffiliation unknown1
Dyah PrabaningrumAffiliation unknown1
Kresna AdeteaAffiliation unknown1
Fais Rokmawar DaniAffiliation unknown1
Mulyono MulyonoAffiliation unknown1
Zuliyanti ZuliyantiAffiliation unknown1
Qurrota Ayu NeinaAffiliation unknown1
Subyantoro SubyantoroAffiliation unknown1
Leni SeptianiAffiliation unknown1
Endang KusriniAffiliation unknown1
Muhamad Diky YuliantoAffiliation unknown1
Imtiyaza Nihlah HadanaAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://www.bmeb-bi.org/index.php/BEMP/oai, first harvested 8 Nov 2026, last seen 8 Nov 2026.
Original metadata (oai_dc) 
<oai_dc:dc xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/  http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
	<dc:title xml:lang="id-ID">FUNGSI INTERMEDIASI PERBANKAN DI DAERAH: PENGUKURAN DAN IDENTIFIKASI FAKTOR-FAKTOR YANG MEMPENGARUHI</dc:title>
	<dc:creator>Abdullah, Piter</dc:creator>
	<dc:creator>Suseno, Suseno</dc:creator>
	<dc:description xml:lang="id-ID">The implementation of the Law No 22 and 25 in 1999 has been recognized as starting point for Indonesia in pursuing a comprehensive and ambitious decentralization program. Decentralization in further step has changed many things including people’s perception especially on the role of regional banks. For some extend the existing regional banks have been claimed as the main cause for “capital flight” from one region to other regions. LDR is used as the only one parameter for claiming that regional banks do not play its role as the intermediary institution and caused the “capital flight”.This paper, derived from the study of the effectiveness of regional banking conducted by PPSK BI, addressed the issue how regional banking should be assessed and what factors affect its effectiveness as intermediary institution. One of the findings of this study is that LDR should not be used as the only one parameter for the effectiveness of regional banks intermediary function. To assess whether regional bank have played its role effectively or not, this study proposed 3 other parameters: RLCR, TLCR and R2. Another important finding of this study is that banking decentralization in term of changes from branch office banking into unit office banking will affect positively the intermediation function of regional bank.</dc:description>
	<dc:publisher xml:lang="en-US">Bank Indonesia</dc:publisher>
	<dc:date>2004-06-17</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/317</dc:identifier>
	<dc:identifier>10.21098/bemp.v5i4.317</dc:identifier>
	<dc:source xml:lang="en-US">Buletin Ekonomi Moneter dan Perbankan; Vol 5 No 4 (2003); 43-63</dc:source>
	<dc:source xml:lang="id-ID">Buletin Ekonomi Moneter dan Perbankan; Vol 5 No 4 (2003); 43-63</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/317/294</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2015 Piter Abdullah, Suseno Suseno</dc:rights>
</oai_dc:dc>