THE BRANCH EXPANSION AND THE PERFORMANCE OF THE BANKS: THE CASE OF INDONESIA
Keywords:
number of branches, employees, financial performance, industrial banking
Abstract
Opening new branches may help the banks to expand and is a priority for the banks to enlarge the public inclusion. Indonesian banking industry is currently not efficient and still focus more on networking the branches than improving the banking access to the public. This paper utilize the path analysis to see the link betweeen the branch expansion and the performance of the banks. The analysis shows that the increase of the number of branches and employees does not significantly influence the financial performance of the banking industry from the period of 2011-2012. This prove that the inefficiency of banking industry as one of the performance indicators of banking is not the main factor that be caused by increasing the number of branches and employees.
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References
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Almilia, Luciana Spica dan Herdiningtyas, Winny. (2005). Analisis Rasio CAMEL terhadap Prediksi Kondisi Bermasalah pada Lembaga Perbankan Periode 2000-2002. Jurnal Akuntansi dan Keuangan, Vol, 7, No, 2, Nopember, hal,1-27.
Bank Indonesia. (2008). Statistik Perbankan Indonesia, Volume 6, No 10, September 2008, Available online at http://www.bi.go.id/web/id.
Bikker, JA. (2002). Competition, Concentration, and Their Relationship: An Empirical at The Banking Industry, Journal of Banking and Finance. 26(11), 2002.
Chaikal, Nuryakin dan Warjiyo, Perry. (2006). Perilaku Penawaran Kredit Bank di Indonesia: Kasus Pasar Oligopoli Periode Januari 2001 – Juli 2005. Buletin Ekonomi Moneter dan Perbankan.
Derina, Ratna, and Willem A. Makaliwe. (2006). Perilaku Perbankan Indonesia: Beberapa Temuan Pattern dan Panel Data Analysis 1993-2005. Majalah USAHAWAN No.06 Th XXXV.
Dendawijaya, Lukman. (2003). Manajemen Perbankan. Jakarta: Penerbit Ghalia Indonesia.
Evanoff. D. D., and Fortier, D. L. (1988). Reevaluation of the Structure-Conduct-Performance Paradigm in Banking, Journal of Financial Services Research.1, 1988.
Gilbert, Alton R. B. (1984). Bank Market Structure and Competition: A Survey, Journal of Money, Credit, and Banking. November, 1984.
Gujarati, Damodar N. (2003). Basic Econometrics, 4th Edition. New York: Mc Graw-Hill.
Jatmiko, Pracoyo Budi. (2000). Paradigma Structure-Conduct-Performance versus Efficiency Hypothesis: Manakah yang Mencerminkan Industri Perbankan Indonesia?, Jurnal Ekonomi dan Bisnis Indonesia. Vol 15(3).
Koch, T., Scott. (2000). Bank Management. Orlando USA: Harcourt Inc.
Kasmir. (2006). Manajemen Perbankan. Divisi Buku Perguruan Tinggi. Jakarta: PT. Raja Grafindo Persada.
Kuncoro, M., Suhadjono. (2002). Manajemen Perbankan Teori dan Aplikasi Edisi Pertama. Yogyakarta: Penerbit BPFE.
Kirana J, Wihana dan Wanto, Nur.(1998). Analisis Struktur dan Kinerja Industri Bank Swasta Nasional di Indonesia Tahun 1996. Jurnal Ekonomi dan Bisnis Indonesia. Vol 13 (1), 1998.
Martin, Stephen. (1988). Industrial Economic – Economic Analysis and Public Policy. Second Edition, New York: Macmillan Publishing Company.
Mishkin, Frederick S & Stanley G. (2000). Financial Market Institutions 4th Ed.,Addison- Wesley,USA.
Nachrowi D.N., Hardius Usman. (2006). Pendekatan Populer dan Praktis Ekonometrika untuk Analisis Ekonomi dan Keuangan. Jakarta: LP-FEUI.
Nasser Katib, M. (2004). Market Structure and Performance in the Malaysian Banking Industry: A Robust Estimation. Universiti Utara Malaysia. Available online at http://papers.ssrn.com/
so/3/displayjel/cfn
Neuberger, Doris. (1997). Structure, Conduct, and Performance in Banking Markets. Working Paper no12. Universitat Rostock. Available online at http://econpapers.repec.org/RAS/
pne49.htm
Riyadi, Slamet. (2006). Banking Asets and Liability Management. Jakarta: Lembaga Penerbit Fakultas Ekonomi Universitas Indonesia.
Rose, P. (2002). Commercial Bank Management. New York USA: McGraw-Hill.
Sarita, Buyung. (2006). Pengaruh Tumpuan Pasaran, Penguasaan Pasaran, dan Ancaman Moral terhadap Prestasi Bank di Indonesia. (Unpublished Ph.DDissertation, Universiti Sains Malaysia. 2006). Available online at http://eprints.usm.my/9739/1
Sofyan, Sofriza. (2002). Pengaruh Struktur Pasar terhadap Kinerja Perbankan diIndonesia. Media Riset Bisnis dan Manajemen. Vol 2 (3) Desember 2002.
Yani K, Sri dan R, Lyla. (2006). Persaingan Perbankan di Indonesia. Buletin Ekonomi,4(2), 2006.
Setiawan, Ivan A dan Ritonga, Ferdiansyah. (2011). Analisis Jalur (Path Analysis) dengan Menggunakan Program AMOS. Jakarta: Suluh Media.
Sarwono, Jonathan. (2012). Path Analysis. Jakarta: PT. Elex Media Komputindo.
Sipahutar, Mangasa A. (2007). Persoalan-persoalan Perbankan Indonesia. Jakarta: Gorga Media.
Sugiyono. (2010). Metode Penelitian Bisnis .Bandung: Penerbit Alfabeta.
Taufik, Ariyanto. (2004). Profil Persaingan Usaha dalam Industri Perbankan Indonesia, Perbanas Finance and Banking Journal. Volume 6, No 2 Desember 2004.
W. Carlton, Dennis and M. Perloff, Jeffrey. (2000). Modern Industrial Organization.Third Edition. USA: Addison-Wesley.
Published
2015-11-09
How to Cite
Prasetyo, H., & Sunaryo, S. (2015). THE BRANCH EXPANSION AND THE PERFORMANCE OF THE BANKS: THE CASE OF INDONESIA. Buletin Ekonomi Moneter Dan Perbankan, 18(1), 85-106. https://doi.org/10.21098/bemp.v18i1.518
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Buletin Ekonomi Moneter dan Perbankan / Bulletin of Monetary Economics and Banking is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
