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Journal : Jurnal Keuangan dan Perbankan

PENGUJIAN EMPIRIS DISIPLIN PASAR PERIODE PENJAMINAN SIMPANAN IMPLISIT DAN EKSPLISIT DI INDONESIA Taswan Taswan
Jurnal Keuangan dan Perbankan Vol 17, No 2 (2013): May 2013
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (252.888 KB) | DOI: 10.26905/jkdp.v17i2.748

Abstract

This article concerned the issue of market discipline and deposit insurance in Indonesia. This research aimed toexamine the market discipline as a consequence of bank risk taking on period of implicit and explicit depositinsurance. The samples were commercial banks operating in Indonesia and they were tested using OLS regressionmodels and Sub Group analysis. It showed that market discipline functioned as a consequence of bank risktaking during the guarantee period, but there was no difference in the effect of risk on market discipline betweenperiods of implicit and explicit deposit insurance. Market discipline in Indonesia was determined more by thebank risk taking, not by the difference of deposit insurance scheme.
KEPEMILIKAN BANK DAN KEPATUHAN REGULASI TERHADAP RISIKO PERBANKAN YANG DIMODERASI OLEH CHARTER VALUE Taswan Taswan
Jurnal Keuangan dan Perbankan Vol 16, No 1 (2012): January 2012
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (250.242 KB) | DOI: 10.26905/jkdp.v16i1.1051

Abstract

This papers first issue concerned the influence of bank ownership on the risk, the effect of regulation on thelevel of risk, and the effect of charter value on risk. Ownership relations to regulatory compliance on risk weremoderated by the charter value. By using a sample of commercial banks operating in Indonesia, and performedtesting with the MMR model, the result obtained was that domestic private ownership, foreign ownership andownership concentration had significantly positive effect on the risk. Each relationship was moderated by thecharter value. Charter values negatively affected the level of risk. This finding was consistent with theentrenchment argument. While regulatory compliance negatively affected the risk, but not moderated by thecharter value. Regulatory influence on the risk of convergence was consistent with the argument.