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"Penelitian ini bertujuan untuk mengetahui pengaruh tingkat persaingan bank terhadap risiko sistemik pada perbankan publik di Indonesia untuk periode 2010-2014. Dengan menggunakan metode Lerner Index sebagai pengukuran tingkat persaingan bank dan metode Merton?s distance-to-default sebagai pengukuran risiko sistemik, menunjukan tingkat persaingan individual bank secara signifikan berpengaruh negatif terhadap risiko sistemik perbankan Indonesia. Semakin rendah tingkat konsentrasi pasar perbankan akan menurunkan tingkat risiko sistemik. Tingginya tingkat persaingan bank akan membuat bank-bank untuk mendiversifikasikan risiko-risikonya sehingga menyebabkan sistem perbankan semakin kokoh.

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The objective of this research is to determine the effect of bank degree of competitiveness on systemic risk of public banks in Indonesia during 2010-2014. Using Lerner Index to measure bank degree of competitiveness and Merton's distance-to-default to measure systemic risk, show a significant negative relationship between bank degree of competitiveness and systemic risk. The less concentrated of banking market cause reduction on systemic risk. The greater bank degree of competitiveness encourages banks to take on more diversified risks, making the banking system less fragile."

"Penelitian ini bertujuan untuk menganalisis bank market power dan efektivitas bank lending channel di ASEAN-5 (Indonesia, Singapore, Malaysia, Thailand dan Philippine). Penelitian juga menyadari peran akan karakteristik dari bank dan negara, seperti ukuran bank, kapitalisasi, pertumbuhan ekonomi dan tingkat inflasi. Metode analisis yang digunakan adalah first-difference GMM melalui data panel dinamis pada periode tahun 2011-2019. Penelitian ini menggunakan single proksi untuk mengukur bank market power, yaitu lerner index. Bank Lending Channel menggunakan proksi pertumbuhan total kredit, pertumbuhan kredit produktif dan pertumbuhan kredit konsumtif. Penelitian ini menemukan bahwa efek total dari monetary policy dan interaksi antara market power dengan monetary policy berhubungan secara signifikan untuk pertumbuhan total kredit dan kredit konsumtif. Sehingga disimpulkan bahwa bank market power memengaruhi efektivitas bank lending channel

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This study aims to examine the role of bank market power and effectiveness transmission of monetary policy through bank lending channel in ASEAN-5 (Indonesia, Singapore, Malaysia, Thailand and Philippine). We also consider the extent characteristics of bank and country – ie, size, capitalization, economic growth and inflation. This study estimates with first-difference GMM through dynamic panel data over the periode 2011-2019. We apply single proxy as measuring bank market power with lerner index, and bank lending channel with total loan growth, productive loan growth dan consumer loan growth. The estimation result, this study found role of bank market power and effectiveness transmission of monetary policy through bank lending channel in for total loan growth and consumer loan growth. Overall, this study shows role of bank market power and effectiveness transmission of monetary policy through bank lending channel in ASEAN-5."

"[Penelitian ini bertujuan untuk menganalisa pengaruh market power dan non interest income serta interaksi antara diversifikasi pendapatan non interest income dan market power terhadap stabilitas individual bank di negara negara ASEAN 5 Penelitian ini menggunakan perhitungan Z score sebagai proksi stabilitas bank dan Lerner Index sebagai indikator market power Dengan menggunakan sampel 76 bank yang listed di bursa masing masing negara ASEAN 5 yaitu Bursa Efek Indonesia IDX Bursa Malaysia KLSE Singapore Exchange SGX Stock Exchange of Thailand SET dan Philippine Stock Exchange PSE pada periode 2009 ndash 2013 model penelitian diestimasi menggunakan fixed effect model Hasil estimasi menunjukkan bahwa bank dengan market power yang besar memiliki tingkat stabilitas bank yang lebih rendah ketika mendiversifikasikan pendapatannya non interest income ;The study examines the effect of market power and non interest income and whether revenue diversification non interest income interacts with market power impacting on individual bank stability in ASEAN 5 Countries This research is used Z score as proxy for bank stability and Lerner Index as an indicator of market power The sample consists of 76 listed banks in Indonesia Stock Exchange IDX Bursa Malaysia KLSE Singapore Exchange SGX Stock Exchange of Thailand SET and Philippine Stock Exchange PSE for period 2009 ndash 2013 By using fixed effect model to estimate the equation model the result suggests that banks with greater market power are less stable when they diversify into non traditional activities non interest income ;The study examines the effect of market power and non interest income and whether revenue diversification non interest income interacts with market power impacting on individual bank stability in ASEAN 5 Countries This research is used Z score as proxy for bank stability and Lerner Index as an indicator of market power The sample consists of 76 listed banks in Indonesia Stock Exchange IDX Bursa Malaysia KLSE Singapore Exchange SGX Stock Exchange of Thailand SET and Philippine Stock Exchange PSE for period 2009 ndash 2013 By using fixed effect model to estimate the equation model the result suggests that banks with greater market power are less stable when they diversify into non traditional activities non interest income , The study examines the effect of market power and non interest income and whether revenue diversification non interest income interacts with market power impacting on individual bank stability in ASEAN 5 Countries This research is used Z score as proxy for bank stability and Lerner Index as an indicator of market power The sample consists of 76 listed banks in Indonesia Stock Exchange IDX Bursa Malaysia KLSE Singapore Exchange SGX Stock Exchange of Thailand SET and Philippine Stock Exchange PSE for period 2009 ndash 2013 By using fixed effect model to estimate the equation model the result suggests that banks with greater market power are less stable when they diversify into non traditional activities non interest income ]"

"Penelitian ini bertujuan untuk memperoleh bukti empiris mengenai pengaruh tingkat persaingan perbankan terhadap stabilitas bank di Asean pada periode 2014-2018. 

Dalam penelitian ini, tingkat persaingan perbankan diukur dengan menggunakan metode Lerner Index, sementara stabilitas bank diukur dengan menggunakan metode Log Z-Score. Pemilihan sampel menggunakan purposive sampling, dengan memilih perusahaan perbankan yang terdaftar di masing-masing bursa saham negara Asia Tenggara (Indonesia, Malaysia, Thailand, Singapura, dan Filipina).

Hasil penelitian ini menunjukkan bahwa persaingan perbankan memiliki pengaruh yang signifikan terhadap stabilitas bank di negara-negara Asean-5. Selain itu juga diperoleh kesimpulan bahwa bahwa terdapat korelasi yang negatif antara tingkat persaingan perbankan yang diukur dengan menggunakan Lerner index dengan stabilitas bank yang diukur dengan Log Z-Score di negara Asean-5. Hasil tersebut menunjukkan bahwa semakin tinggi tingkat kompetisi perbankan mengakibatkan semakin rapuhnya stabilitas bank.

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This study aims to obtain empirical evidence regarding the influence of the level of banking competition on bank stability in ASEAN in the 2014-2018 period.

In this study, the level of banking competition was measured using the Lerner Index method, while bank stability was measured using the Log Z-Score method. The sample selection uses purposive sampling, by selecting banking companies listed on each of the Southeast Asian countries' stock exchanges (Indonesia, Malaysia, Thailand, Singapore, and Philippines).

The results of this study indicate that banking competition has a significant effect on bank stability in Asean-5 countries. In addition, it is concluded that there is a negative correlation between the level of banking competition as measured by using the Lerner index and bank stability as measured by the Log Z-Score in Asean-5 countries. These results indicate that the higher the level of banking competition, the more fragile bank stability is."

"Penelitian ini bertujuan untuk menganalisa pengaruh market power terhadap efektivitas transmisi kebijakan moneter melalui bank lending channel. Selain itu, pengujian terhadap sesitifitas deposito terhadap penyaluran kredit juga dilakukan untuk mengidentifikasi keberadaan bank lending channel sebagai saluran transmisi kebijakan moneter. Dengan menggunakan data panel terhadap 103 bank umum di Indoensia selama periode semester I-2005 sampai dengan semester II-2012, model penelitian diestimasi menggunakan metode regresi data panel. Hasil dari penelitian ini adalah market power dapat melemahkan efektivitas transmisi kebijakan moneter. Selain itu dalam penelitian ini ditemukan pula bahwa kebijakan moneter pada periode t-1 berpengaruh negatif terhadap pertumbuhan kredit, sedangkan kebijakan moneter pada periode t dan t-2 tidak berpengaruh terhadap pertumbuhan kredit pada periode t.

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This study examines how banks respomd to the monetary policy according to their characteristics, as in particular, market power. Using panel dataset from 103 banks from Indonesia over semester I-2005 to semester II-2012, the result suggest that bank with market power, which is proxied by Lerner Index, have a credit supply that is less sensitive to monetary policy shock. Therefore bank?s market power weaken the effectiveness of monetary policy transmission through bank lending channel. This research also find that banks needs some kind of time lagged to respons the monetary policy shock, and the effect of monetary policy on t-1 has significant and negative impact to bank lending, while monteray policy on t period and t-2 periode doesnt show any significant impact."

"Tujuan dari studi empiris ini ialah untuk menganalisis pengaruh kompetisi terhadap stabilitas bank di Indonesia. Sampel dari penelitian empiris ini ialah 102 bank di Indonesia dalam periode 2001-2015. Hasil dari penelitian ini yaitu 1 Lerner index mempengaruhi stabilitas bank dengan hasil regresi yang positif signifikan, 2 Herfindahl-Hirschman Index mempengaruhi stabilitas bank dengan hasil regresi negatif signifikan, 3 Size mempengaruhi stabilitas bank dengan hasil regresi positif signifikan, 4 Loan Loss Provision LLP mempengaruhi stabilitas bank dengan hasil regresi negatif tidak signifikan, 5 Net Income Margin mempengaruhi stabilitas bank dengan hasil regresi positif signifikan, 6 Growth Domestic Product mempengaruhi stabilitas bank dengan hasil regresi positif tidak signifikan.

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The purpose of this empirical study was to analyze the effect of competition on the stability of banks in Indonesia. Samples of this empirical research are 102 banks in Indonesia in the period 2001 2015. The results of this study are 1 Lerner index affects the stability of the bank with the regression results were significantly positive, 2 Herfindahl Hirschman Index affects the stability of the bank with the regression results significantly negative, 3 Size affects the stability of the bank with the regression results significantly positive, 4 Loan Loss Provision LLP affect the stability of the bank with negative regression results are not significant, 5 Net Income Margin affect the stability of the bank with a significant positive regression results, 6 Growth Domestic Product affecting the stability of the bank with a positive regression results are not significant."

"Dalam beberapa tahun pasca krisis keuangan global tahun 2008, topik stabilitas bank menjadi agenda utama peneliti dan regulator baik di tingkat nasional dan internasional. Beberapa faktor yang mempengaruhi stabilitas bank yaitu struktur pasar, kecukupan modal yang diatur oleh regulator, dan faktor risiko sistemik yang tidak bisa dikontrol oleh pihak bank dan regulator. Selain membahas stabilitas bank, penelitian ini juga membahas mengenai volatilitas profit bank. Seluruh faktor yang mempengaruhi stabilitas bank dan volatilitas profit bank ini akan diaplikasikan pada bank syariah dan bank konvensional. Bank syariah menjadi salah satu sistem alternatif perbankan yang dianggap mampu bertahan di saat krisis. Secara deskriptif, bank syariah lebih stabil dan memiliki volatilitas profit yang lebih rendah, namun bank syariah tidak memberi pengaruh berbeda pada stabilitas bank dan volatilitas profit bank. Hasil empiris penelitian ini yaitu bank syariah memiliki market power yang lebih rendah dibandingkan bank konvensional, tingkat kompetisi bank yang diukur melalui Lerner Index, dan faktor risiko sistemik mempengaruhi stabilitas bank maupun volatilitas profit bank, sedangkan kecukupan modal hanya memberikan pengaruh pada volatilitas profit bank.

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In the recent years following the global financial crisis 2008, determinants of bank stability have become the important topics for researchers and bank regulators, both nationally and internationally. Some factors affecting bank stability are competition, capital requirement set by the regulator, and sources of systemic risk that can not be controlled by the bank and regulator. In addition, this study also discusses earnings volatility. All factors that affect bank stability and earnings volatility will be applied to sharia and conventional bank. Sharia bank became an alternative banking system that is considered able to survive in the crisis. Based on the descriptive data, sharia banks are more stable and have lower earnings volatility. However, sharia banks do not give different effect on bank stability and earnings volatility. Empirical findings in this study are sharia banks have lower market power than conventional banks; both competitiveness as measured by Lerner Index, and sources of systemic risk affect bank stability and earnings volatility, while capital requirement only affects earnings volatility."

"ABSTRAKPenelitian ini dilakukan dengan tujuan untuk mengetahui pengaruh kekuatan pasar dan tingkat kesehatan bank terhadap perilaku penghimpunan dan penyaluran dana bank syariah dan bank konvensional di Indonesia pada periode 2011-2015. Dengan menggunakan Indeks Lerner sebagai pengukuran kekuatan pasar bank serta rasio CAR untuk menggambarkan tingkat kesehatan bank. Hasil penelitian menunjukkan pada bank syariah, tingkat kekuatan pasar dan CAR hanya akan secara signifikan berpengaruh positif pada penyaluran pembiayaan. Sedangkan pada bank konvensional hasil penelitian menunjukkan pengaruh positif pada ?Financing dan ?Deposit. Pertumbuhan penghimpunan dan penyaluran dana bank umum di Indonesia akan turut meningkat apabila terjadi peningkatan kekuatan pasar dan tingkat kesehatan bank.

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ABSTRACTThe objective of this research is to determine the effect of bank market power and bank soundness on the behavior of Islamic and non Islamic bank to collect and channel public funds during 2011 2015. Using Lerner Index to measure bank degree of market power, and CAR as a measure of bank soundness, the result on Islamic bank show a significant positive relationship only on bank channeling of funds. However, on non Islamic bank the result show a significant positive relationship on bank collecting and channeling of funds. Bank collection and channeling of fund will be greater on when bank market power and bank level of soundness also rises."