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All Journal EKONOMIS : Journal of Economics and Business
Suhardiono, Suhardiono
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Economics, Econometrics & Finance

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Peran Lembaga Penjamin Simpanan dalam Menjaga Stabilitas Sektor Perbankan di Indonesia: Systematic Literature Review Suhardiono, Suhardiono; Sembel, Roy; Suwandi, Suwandi
Ekonomis: Journal of Economics and Business Vol 9, No 1 (2025): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v9i1.2177

Abstract

This study aims to understand the role of the Deposit Insurance Corporation (LPS) in maintaining the stability of the banking sector in Indonesia through a systematic literature review methodology. This study analyzes 12 articles identified from the Emerald and Elsevier databases using the keywords "deposit insurance" and "Indonesia," selected according to the PRISMA guidelines. The results show that the deposit insurance system in Indonesia, especially after the introduction of the Blanket Guarantee Scheme (BGS) after the 1998 financial crisis, has succeeded in restoring public confidence in banks despite causing moral hazard. The replacement of BGS with Limited Guarantee (LG) in 2005 improved market discipline and reduced the risks taken by banks. This study confirms that LPS is effective in providing guarantees for customer deposits, which increases public confidence and prevents bank runs. However, there are challenges in overcoming moral hazard and ensuring internal control and risk management.
Balancing Stability and Growth: The Role of Interest Rates and Deposit Insurance in Shaping Inflation and Economic Resilience in ASEAN Suhardiono, Suhardiono; Sembel, Roy; Manurung, Adler Haymans
Ekonomis: Journal of Economics and Business Vol 10, No 1 (2026): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v10i1.2301

Abstract

This study examines the effects of interest rates and deposit insurance agency presence on inflation and GDP growth in ASEAN countries from 2019 to 2023. Using a quantitative approach with linear regression analysis, the findings reveal that higher interest rates are associated with lower inflation, highlighting the effectiveness of monetary policy in managing price stability within the region. Additionally, the existence of deposit insurance agencies positively impacts both inflation and GDP growth. While deposit insurance enhances financial stability and fosters economic growth by boosting public confidence, it may also contribute to inflation through increased consumer and investment activity. These findings suggest that ASEAN policymakers should adopt a balanced approach, combining interest rate adjustments for inflation control with carefully managed financial stability measures to support sustainable growth. This study provides valuable insights into the roles of monetary and financial stability policies, underscoring the importance of an integrated policy framework to achieve economic resilience in emerging markets. Future research could explore the interaction between these policies and other structural factors to develop comprehensive strategies for sustaining growth in the ASEAN region.
Co-Authors Adler Haymans Manurung Alim, Muhammad sahirul Hermanto Siregar Nurcahyaningsih, Astrika Erlin Roy Sembel Suwandi Suwandi