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All Journal Economic Journal of Emerging Markets Jurnal Ekonomi Kuantitatif Terapan Jurnal Keuangan dan Perbankan Journal of Economics, Business, & Accountancy Ventura EKUITAS (Jurnal Ekonomi dan Keuangan) Jurnal Komunitas Yustisia
Aloysius Deno Hervino
Universitas Katolik Indonesia Atma Jaya
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Journal : Economic Journal of Emerging Markets

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AVOIDING RISK IN WORKING CAPITAL CREDIT DISTRIBUTION IN INDONESIA Aloysius Deno Hervino
Economic Journal of Emerging Markets Volume 3 Issue 2, 2011
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.v3i2.2331

Abstract

This research analyzes risk avoidance behaviour of banking institutions in distributing working capital loan in Indonesia. Using Autoregressive Distributed Lag Error Correction Model, this paper uncovers three findings. First, in the short run, risk avoidance in working capital loan distribution depends on inter-call banking money market and Sertifikat Bank Indonesia. Second, following banking regulation after 1997 crisis, banks have become more careful in distributing credits, with SBI as a substitution instrument and inter-call banking money market as a complement instrument to spread the risk. Third, all explanatory variables take an average of 6 days or 1 week to influence bank’s risk avoidance behaviour.Keywords:     Risk avoidance, working capital distribution, banking institutions JEL classification numbers: C32, C52, D81, E51
Co-Authors Elizabeth Nadeak Maria Margaretha Sumaryati, Maria Margaretha Natalia Yeti Puspita