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All Journal Jurnal Administrasi Kesehatan Indonesia JIET (Jurnal Ilmu Ekonomi Terapan) JDE (Journal of Developing Economies) Jurnal Bina Praja Business Management Analysis Journal (BMAJ) Bestuurskunde: Journal of Governmental Studies Journal Middle East and Islamic Studies Ezra Science Bulletin Journal of Shoutheast Asian Islam and Society (JSEAIS)
Fajri, Moh Najikhul
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Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Physics Social Sciences Other

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Journal : JDE (Journal of Developing Economies)

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Does Switching Cost Affect Dual Rural Banks Market Power? Fajri, Moh Najikhul; Purwono, Rudi
Journal of Developing Economies Vol. 7 No. 2 (2022)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jde.v7i2.36547

Abstract

This study aims to review the effect of switching costs on rural bank market power. This study is using dynamic panel regression of the Generalized Method of Moments (GMM). This paper used panels of 1266 rural banks and 113 Sharia Rural banks from 2013 to 2019. To further analyze this study using Lerner Index as proxies of market power, Bertrand Competitions models as proxies of switching costs, and banking indicators covering bank size, equity, non-interest income, and the burden of allowance for productive assets (Lost Loans Provision). The results show that switching costs have a significant positive effect on the conventional rural bank and negatively affect sharia rural bank's market power. This condition is caused by various reasons, namely the limited choice of rural banks so that consumers survive the switching costs charged. Meanwhile, in sharia rural bank transparency is clearly seen on the side of mudharobah and musyarakah which makes it unable to increase financing margins freely.
Co-Authors Kharisudin, Achmad KUSUMAWARDHANI, ANDINI Nurul Istifadah Prasetya, Budianto Oky Pratama, Backtiar Putra Pratysto, Tangguh Purwono, Rudi Sanjoko, Deny Cahyadinanto Shochrul Rohmatul Ajija Siti Munawaroh Sugiyanto, Fransiscus Xaverius Wulandari, Fifi Amilia Yusuf, Maulana Ghani