he Impact of foreign bank entry on domestic bank efficiency :: An empirical study in Indonesia

FUJI,

2006 | Tesis | Advisor Dr. Niels Hermes

Penelitian ini menganalisis dampak masuknya bank-bank asing terhadap efisiensi perbankan domestik di Indonesia. Berdasarkan hipotesa, dengan menggunakan sistem manajemen, teknologi, dan pemasaran yang lebih maju, bank-bank asing akan memberikan tekanan kompetisi terhadap bank-bank domestik. Penelitian saya mengungkapkan bahwa selama periode observasi, bank-bank asing sangat berkonsentrasi untuk melayani sektor manufaktur di Indonesia. Pada sektor ini, bank-bank asing memberikan tekanan kompetisi yang tinggi terhadap bank-bank domestik. Oleh karena itu, net interest margin, biaya overhead, dan laba sebelum pajak bank domestik menjadi lebih rendah, sebuah indikasi adanya peningkatan efisiensi bank-bank domestik.

This research investigates the impact of foreign bank entry on domestic bank efficiency in Indonesia. It is hypothesized that by using their more advanced management, technology, and marketing know-how, foreign bank will exert competitive pressures on domestic bank. My investigation reveals that during the period of observation, foreign banks have intensely entered the manufacturing sector. In this sector, foreign banks put high competitive pressures on domestic bank. Therefore, domestic bank net interest margin, overhead costs, and before tax profits become lower, an indication of increased efficiency of domestic banks.

Kata Kunci : Manajemen Perbankan,Bank Domestik,Efisiensi Bank Domestik,Bank Asing, foreign bank entry, domestic bank efficiency