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"Penelitian ini bertujuan untuk mengetahui pengaruh antara kepemilikan asing pada bank di Indonesia terhadap proporsi alokasi kredit UMKM. Data yang digunakan adalah data karakteristik bank dengan kepemilikan asing dan makroekonomi Indonesia pada periode 2009-2013. Dengan menggunakan Random Effect Model, diperoleh hasil foreign share baik pada bank asing, campuran, maupun domestik, memiliki pengaruh yang signfikan terhadap proporsi alokasi kredit UMKM. Selain itu, pada bank asing dan campuran, bentuk kepemilikan asing yang terbagi atas greenfield dan takeover juga berpengaruh secara signifikan. Sedangkan, bentuk kepemilikan asing pada bank campuran dan domestik, juga memiliki pengaruh yang signifikan terhadap proporsi alokasi kredit yang dikucurkan ke UMKM.

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This study aims to determine the effect of foreign bank’s ownership towards credit allocation portofolio, especially in micro-credit or SME’s. This study use foreign bank’s characteristic and macroeconomy data within periode 2009-2013. By using Random Effect Model, the result showed that the bank’s foreign share have significant effect on the share of SME loans allocation. Meanwhile, foreign bank’s ownership, which divided into (i)greenfield and takeover, and (ii) joint venture and domestic banks, also have significant effect on SME’s credit allocation."

"[ABSTRAKPenelitian ini bertujuan untuk melakukan studi literatur mengenai pengaruhmasuknya bank asing terhadap sistem perekonomian, industri perbankandomestik, dan individu bank asing. Studi literatur dilaksanakan dengan menggunakan 25 literatur terdahulu dengan topik bank asing. Hasil penelitian ini mnunjukkan bahwa masuknya bank asing dapat mempengaruhi sistemperekonomian dari sisi krisis dan pertumbuhan ekonomi. Sebagian besar literaturmenyatakan bahwa masuknya bank asing akan menurunkan profit dan biayaoverhead. Sementara itu kinerja bank asing lebih baik daripada bank domestikpada negara berkembang, dan hasilnya berkebalikan pada negara maju. Darisejumlah penelitian, hasil yang ditemukan masih berbeda-beda. Hal ini dapat terjadi karena sampel dan periode antara satu penelitian dan yang lain tidak sama.

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ABSTRACTThis study aims to do literature review about the impact of foreign bankentry on the economies, domestic banking industry, and foreign bank efficiency. The study have been done using 25 literatures with the topic of foreign bank. The findings show that the entry of foreign bank can affect economic system measuredthe economic crisis and economic growth. Most of the literature show that theentry of foreign bank will reduce profit and overhead cost of domestic bank. Thisstudy also found that foreign bank is more efficient than domestic bank indeveloping country. Whereas the result is opposite on the developed country.There are differences from the findings on all the literature. This could happen because the country sample and research time is different from each other. , This study aims to do literature review about the impact of foreign bankentry on the economies, domestic banking industry, and foreign bank efficiency. The study have been done using 25 literatures with the topic of foreign bank. The findings show that the entry of foreign bank can affect economic system measuredthe economic crisis and economic growth. Most of the literature show that theentry of foreign bank will reduce profit and overhead cost of domestic bank. Thisstudy also found that foreign bank is more efficient than domestic bank indeveloping country. Whereas the result is opposite on the developed country.There are differences from the findings on all the literature. This could happen because the country sample and research time is different from each other. ]"

"Sejak krisis keuangan Asia tahun 1997 dan 1998, banyak negara di dunia mengalami liberalisasi dan globalisasi perbankan, termasuk negara berkembang seperti Indonesia. Dengan menggunakan data 100 bank komersial di Indonesia dengan periode 2009-2014, penelitian ini berusaha mengidentifikasi pengaruh kepemilikan asing terhadap NIM, profit akuntansi, aktivitas non-pinjaman, dan risiko bank. Peningkatan kepemilikan asing terbukti berpengaruh negatif terhadap NIM bank-bank di Indonesia. Tidak sesuai dengan hipotesis, kepemilikan asing tidak memiliki pengaruh signifikan terhadap profit akuntansi, aktivitas non-pinjaman dan risiko bank di Indonesia.

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Since the aftermath of Asian financial crisis on 1997 and 1998, many countries are experiencing liberalization and globalization of banking, including developing countries such as Indonesia. Using the data of 100 commercial banks in Indonesia for the period 2009 2014, this study tries to identify the impact of foreign ownership towards net interest margin, accounting profits, non lending activities, and bank risk. The increase of foreign ownership is proven to negatively impacts the net interest margin of banks in Indonesia. Contrary to hypothesis, foreign ownership does not has significant impact on accounting profit, non lending activities and risk of banks in Indonesia. "