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All Journal MANAJEMEN DEWANTARA
Agista Putri Prameswari
Universitas Sebelas Maret

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Banking Market Structure and Firm Productivity: Evidence from Indonesia Muhtar muhtarr; Agista Putri Prameswari
MANAJEMEN DEWANTARA Vol 6 No 2 (2022): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26460/md.v6i2.12843

Abstract

This paper empirically examines the impact of banking market structure on the productivity of small and medium enterprises. Arguably, the more competitive the banking industry, the more access to finance and the lower cost of borrowing. Eventually, it could lead to better performance of small and medium enterprises. We combine two different datasets which are dataset on small and medium enterprises and the dataset on banking. Finally, we end up with more than 91,000 firm-year observations. Our empirical results show that banking competition has significant effect on the performance of small and medium enterprises. More particular, we find that the less banking competition, the lower the performance of small and medium enterprises. Keywords: banking market structure, firm productivity, small and medium enterprises, Indonesia
LITERASI KEUANGAN DIGITAL UNTUK MENDORONG WIRAUSAHA BERBASIS DIGITAL Nugroho Saputro; Muhammad Yusuf Indra Purnama; Linggar Ikhsan Nugroho; Muh Juan Suam Toro; Putra Pamungkas; Agista Putri Prameswari; Irwan Trinugroho
MANAJEMEN DEWANTARA Vol 7 No 1 (2023): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26460/md.v7i1.13606

Abstract

Digital-based financial innovation has grown rapidly in recent times along with internet and smartphone penetration. The emergence of fintech and the existence of digital-based innovations carried out by incumbents in the financial services sector, in this case banking, are expected to increase financial inclusion. Furthermore, financial inclusion will encourage the growth of the real sector through increasing new entrepreneurs and also increasing the scale of existing micro and small businesses so that it will ultimately drive economic output growth. However, to achieve this goal, joint efforts are needed to increase the digital financial literacy of the community, especially the younger generation so that digital financial presence can be used for productive activities. This article discusses community service programs within the framework of developing digital financial literacy to encourage the growth of new entrepreneurs and increase the scale of existing micro and small businesses, especially by utilizing technology..