| dc.description.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. | en_US |
