Analisis Derajat Konsentrasi Industri Perbankan di Indonesia Tahun 2001-2013

Abstract

This study aims to measure the banking industry concentration degree use a structural approach that consists of k-bank concentration ratio (CRk), Herfindahl-Hirchman Index (HHI), Lorenz Curve and Gini Coefficient referring to the SCP paradigm to total assets, deposits and loans all over the conventional banks in Indonesia during 2001-2013, and identify linkages between banking regulation and supervision with the banking industry behavior and performance using descriptive methods. The result shows that reduction in the number of banks was followed by a decline in the degree of concentration in assets and deposits market , but increase in the credit markets. In general, the level of concentration of Indonesian banking industry is secondary concentration which is identical to oligopoly market and the spectrum 1 in accordance with the KPPU. The highest concentration in the deposits market and the lowest in the credit markets. Inequality between market share of large and small banks still very high during the observation. Moreover, the existence of regulation and supervision that is too tight can increase risk-taking behavior of banks and inefficiency of the banking industry.