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BukuIf the Banks are Doing So Well, Why Can't I Get a Loan? Regulatory Constraints to Financial Inclusion in Indonesia (di dalam Asian Economic Policy Review (AEPR), Journal of the Japan Center for Economic Research, Vol 6; Issue 2 December 2011)
Bibliografi
Author: Prasetyantoko, A. Ico Tri ; Rosengard, Jay K.
Topik: Bank Regulation; Financial Sector Reform; Indonesia; Microfinance; SME Finance JEL Codes: G21; 016
Bahasa: (EN )    ISBN: (ISSN)1832-8105    
Penerbit: Wiley-Blackwell     Tempat Terbit: Oxford    Tahun Terbit: 2011    
Jenis: Article - diterbitkan di jurnal ilmiah internasional
Fulltext:
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Abstract
Indonesia's financial sector has two paradoxes: (i) Indonesia has been a global leader in microtinance for the past 25 years, but access to microfinance services is declining; and (ii) Indonesia's commercial banks are liquid, solvent, and profitable, and the Indonesian economy has been doing well over the past decade, but small and medium enterprises are facing a credit crunch. Although Indonesia is underbanked, most commercial banks have been unresponsive to unmet effective demand. The behavior of banks has been in their own short-term best interests, primarily because of the unintended consequences of Indonesia's financial sector reregulation after the East Asian crisis and contradictory monetary policies, which have produced a prudentially sound but inefficient, narrow, and homogenized banking oligopoly. Indonesia should not respond to financial exclusion by artificially pumping out and administratively allocating more credit. Instead, it should promulgate smart regulation so that banks maintain their sound risk management without pursuing noncompetitive and noninclusive business practices.
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