DISIPLIN PASAR, KRISIS PERBANKAN DAN PENJAMINAN SIMPANAN (Studi Kasus Perbankan Indonesia)
Abstract
The purpose of this study is to identify the existence of market discipline in Indonesia.This research
evaluate the interaction between market discipline and deposit insurance and the effect of crisis on
market discipline. We use secondary data of bank’s financial report and panel regression analysis to
test the hypothesis. The research found that depositors discipline banks by withdrawing deposits.
Dummy crisis and dummy deposit insurance have significant effect to delta deposits. The result of
data analysis show that market discipline exsist in Indonesia, there are found the correlation between
market discipline, deposit insurance and banking crisis (risk).
evaluate the interaction between market discipline and deposit insurance and the effect of crisis on
market discipline. We use secondary data of bank’s financial report and panel regression analysis to
test the hypothesis. The research found that depositors discipline banks by withdrawing deposits.
Dummy crisis and dummy deposit insurance have significant effect to delta deposits. The result of
data analysis show that market discipline exsist in Indonesia, there are found the correlation between
market discipline, deposit insurance and banking crisis (risk).
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Performance by Fakultas Ekonomi & Bisnis, Universitas Jenderal Soedirman, Indonesia