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DISENTANGLING INDONESIAN BANKING COMPETITION BASED ON BUKU CLASSIFICATION: IMPLICATIONS ON BANK SOUNDNESS Miryam B.L.S.K. Wijaya; Charvin Lim; Chandra Utama
Bina Ekonomi Vol. 22 No. 2 (2018): Bina Ekonomi: Majalah Ilmiah Fakultas Ekonomi Universitas Katolik Parahyangan
Publisher : Center for Economic Studies Universitas Katolik Parahyangan

ABSTRACTCompetition has long been debated as a vital factor determining banking performance and stability. The broad perspectives are divided into two streams, the ‘competition-fragility’ and ‘competition-stability’ view. Banking industry in Indonesia is experiencing consolidation waves as an effort to strengthen capital and enhance intermediation performance. The consolidation, however, inevitably alter the degree of competition. In this study, we propose a detailed assessment of competition effect through disentanglement amongst different bank clusters, particularly with respect to BUKU classification. The separation is done through Fixed Effect Vector Decomposition method, complemented by interaction variables. We found an indication that competition amongst Indonesian banks can be divided into two segments: the first containing BUKU1 and 2, while the latter BUKU3 and 4. Observing 57 banks using monthly data in 2006-2015, our study supports the competition-stability view, suggesting competition has positive influences on bank soundness. Adding more market power to the leader in each segment (BUKU2 and BUKU4, respectively) would have insignificant, if not malign, effect; the opposite for the challenger. Further, aside from competition, we found that interbank interaction promotes soundness.Keywords: competition; bank soundness; fixed effect vector decomposition

ECONOMIC VALUATION OF A NATURAL RECREATION AREA: THE VULCANOTOUR IN MERAPI VULCANO Latri Wihastuti; Chandra Utama
Bina Ekonomi Vol. 23 No. 1 (2019): Bina Ekonomi: Majalah Ilmiah Fakultas Ekonomi Universitas Katolik Parahyangan
Publisher : Center for Economic Studies Universitas Katolik Parahyangan

Daerah Istimewa (the special province of) Yogyakarta or usually abbreviated as DIY is the second biggest tourism destination in Indonesia, after Bali. DIY has more than 100 recreation sites. One of the famous recreation sites in DIY is Vulcanotour (VT) located in the area of Merapi Vulcano. This paper employed the individual travel cost method ITCM) to estimate the economic value of VT. We used OLS, Non-linear Normal/NLS, Poisson, and Negative Binomial methods to estimate the regression. This study used primary data from the management of VT and 60 visitors in the period of April to May 2013. The study found that the number of visits to VT was significantly affected by the number of trips to Yogyakarta City (the capital city of DIY). The economic value per visit of VT were ranged from USD 33.1 to USD 153.4. The study also concluded that the number of trips to VT is significantly influenced by the Yogyakarta city as a destination. In other words, the VT cannot be separated from other recreation destinations in DIY.Keywords: Natural recreation area; Individual Travel Cost Method (ITCM); Merapi Vulcano; Vulcanotour; Yogyakarta

The Effect of Internationalization on Bank Performance in Republic of Korea Muhammad Faruq Abdulhakim; Chandra Utama
INOBIS: Jurnal Inovasi Bisnis dan Manajemen Indonesia Vol. 7 No. 1 (2023): INOBIS: Jurnal Inovasi Bisnis dan Manajemen Indonesia
Publisher : Forum Inovasi Bisnis dan Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31842/jurnalinobis.v7i1.304

The goal of this paper is to discover the effect of internationalization on bank performance of 8 internationalized commercial banks from Republic of Korea (ROK). Resource-based view is applicated as theoretical framework. To reach the goal, this research used panel data regression by fixed effect model. The dependent variable of this research is ROA. Meanwhile the independent variables are number of foreign presences, TNI, and South Korea’s macroeconomic conditions. The research using secondarily data that collected from FSS of ROK and BOK. The result reveals that internationalization gives positive effect to the performance of the commercial bank in ROK.

The Impact of Central Bank Policy Mix on Banking Risk Behavior Wijaya, Miryam B Lilian; Wibisana, Gema Adi; Utama, Chandra
Signifikan: Jurnal Ilmu Ekonomi Vol 14, No 1 (2025)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v14i1.41334

Research Originality: The study investigates the impact of a coordinated policy mix on Banking Risk Behavior in creating credit.Research Objectives: This research aims to determine the effect of the policy mix on lending and the role of risk behavior in Indonesia.Research Methods: We use the Structural Vector Autoregression (SVAR) estimation technique for data 2012Q1-2021Q3.Empirical Results: The study found that monetary policy does not affect credit directly through credit interest rates. Monetary policy affects credit indirectly through its ability to influence an internal variable of banks and strengthen it through interaction with macroprudential policies. The study found that deposit and capital determine the amount of credit disbursed. The study results found that the policy mix of monetary and macroprudential policies effectively influenced recognition in Indonesia. Mixed policies reinforce one another.Implications: To manage bank risk behavior in distributing credit, a mix of monetary and macroprudential policies is needed. When coordinated, both policies reinforce each other and are more effective than when done separately.JEL Classification: E52, E580, E510How to Cite:Wijaya, M. B. L., Wibisana, G. A. & Utama, C. (2025). The Impact of Central Bank Policy Mix on Banking Risk Behavior. Signifikan: Jurnal Ilmu Ekonomi, 14(1), 1-16. https://doi.org/10.15408/sjie.v14i1.41334

The Impact of Central Bank Policy Mix on Banking Risk Behavior Wijaya, Miryam B Lilian; Wibisana, Gema Adi; Utama, Chandra
Signifikan: Jurnal Ilmu Ekonomi Vol. 14 No. 1 (2025)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v14i1.41334

Research Originality: The study investigates the impact of a coordinated policy mix on Banking Risk Behavior in creating credit.Research Objectives: This research aims to determine the effect of the policy mix on lending and the role of risk behavior in Indonesia.Research Methods: We use the Structural Vector Autoregression (SVAR) estimation technique for data 2012Q1-2021Q3.Empirical Results: The study found that monetary policy does not affect credit directly through credit interest rates. Monetary policy affects credit indirectly through its ability to influence an internal variable of banks and strengthen it through interaction with macroprudential policies. The study found that deposit and capital determine the amount of credit disbursed. The study results found that the policy mix of monetary and macroprudential policies effectively influenced recognition in Indonesia. Mixed policies reinforce one another.Implications: To manage bank risk behavior in distributing credit, a mix of monetary and macroprudential policies is needed. When coordinated, both policies reinforce each other and are more effective than when done separately.JEL Classification: E52, E580, E510How to Cite:Wijaya, M. B. L., Wibisana, G. A. & Utama, C. (2025). The Impact of Central Bank Policy Mix on Banking Risk Behavior. Signifikan: Jurnal Ilmu Ekonomi, 14(1), 1-16. https://doi.org/10.15408/sjie.v14i1.41334

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