Papers by ratna sri widyastuti
This paper analyzes the competition level of the banking industry, prior to and after the introdu... more This paper analyzes the competition level of the banking industry, prior to and after the introduction of the Indonesian Banking Architecture (API). Using panel data, the result shows that competition in banking decreased after the introduction of API, with a large tendency to monopoly or collusive oligopoly. For a bank with niche market such as a Regional Bankand joint venture bank, the introduction of API did not affect it much, while the competition level for a foreign bank was the lowest one. Non price variables would be the main determinantsof banking competition in the future including number of branches, wages and credit volume.
Buletin Ekonomi Moneter dan Perbankan, 2013
This paper analyzes the competition level of banking industry, prior and after the introduction o... more This paper analyzes the competition level of banking industry, prior and after the introduction of Indonesian Banking Architecture (API). Using panel data, the result shows the competition of banking decreased after the introduction of API, with large tendency to monopoly or collusive olligopoly. For the bank with niche market such as regional bank and mix bank, the introduction of API did not affect much, while the competition level for foreign bank is the lowest one. Non price variable would be the main determinant on banking competition in the future, including number of branches, wage and credit volume. Keywords: banking competition, market structure, Indonesian Banking Architecture (API).JEL Classification: C23, D40, E44, E58, G21, L11
Buletin Ekonomi Moneter dan Perbankan, 2013
This paper analyzes the competition level of banking industry, prior and after the introduction o... more This paper analyzes the competition level of banking industry, prior and after the introduction of Indonesian Banking Architecture (API). Using panel data, the result shows the competition of banking decreased after the introduction of API, with large tendency to monopoly or collusive olligopoly. For the bank with niche market such as regional bank and mix bank, the introduction of API did not affect much, while the competition level for foreign bank is the lowest one. Non price variable would be the main determinant on banking competition in the future, including number of branches, wage and credit volume. Keywords: banking competition, market structure, Indonesian Banking Architecture (API).JEL Classification: C23, D40, E44, E58, G21, L11
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Papers by ratna sri widyastuti