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Please use this identifier to cite or link to this item: http://hdl.handle.net/2344/1078

タイトル: Market discipline by depositors : impact of deposit insurance on the Indonesian banking sector
著者: Hamada, Miki
濱田, 美紀
キーワード: Indonesia
Banks
Insurance
Deposit insurance
Market discipline
Depositor discipline
Issue Date: Mar-2011
出版者: Institute of Developing Economies, JETRO
引用: IDE Discussion Paper. No. 292. 2011.3
抄録: This paper investigates market discipline by depositors in the Indonesian banking sector. Does depositor discipline fulfill its role in Indonesia? Does deposit insurance affect depositor behavior thereby imposing discipline on banks? These questions are empirically examined using panel data on Indonesian commercial banks from 1998 to 2009. In Indonesia deposit insurance was introduced in 2005. Depositor discipline is examined by two measures: change in the amount of deposits and interest rate. The empirical results show that depositors pay attention to bank soundness and riskiness and select banks based on the bank's condition with particular attention paid to equity ratio. It is found that depositors impose discipline on banks, but it varies according to regulatory and economic circumstances.
URI: http://hdl.handle.net/2344/1078
Appears in Collections:04.IDE Discussion Paper
01.経済、産業(Economy and Industry)/東南アジア(Southeast Asian Studies)

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