Erscheinungsdatum: 11/2012, Medium: Taschenbuch, Einband: Kartoniert / Broschiert, Titel: Deposit Insurance and Bank Intermediation in Indonesia, Titelzusatz: An Assessment of IDIC's role in Rekindling Public Confidence in Indonesian Banking Industry Post 1997/1998 crisis, Autor: Jameaba, Muyanja Ssenyonga, Verlag: LAP Lambert Academic Publishing, Sprache: Englisch, Rubrik: Wirtschaft // Wirtschaftsratgeber, Seiten: 216, Informationen: Paperback, Gewicht: 338 gr, Verkäufer: averdo
Deposit Insurance and Bank Intermediation in Indonesia ab 78.99 € als Taschenbuch: An Assessment of IDIC's role in Rekindling Public Confidence in Indonesian Banking Industry Post 1997/1998 crisis. Aus dem Bereich: Bücher, English, International, Gebundene Ausgaben,
Financial sector of a nation works as a facilitator for achieving sustained economic growth through providing efficient monetary intermediation. Being a service sector, Insurance sector plays an important role in the GDP of a country. The growth associated with development caused by service sector has the capability to change a developing country to a developed one. In a period of half a centaury, the insurance sector in the country has come to a full circle, from being an open competitive market to full nationalization and then back again to a liberalized market, in which private players and public sector companies are on a level playing field. The opening up of the sector to the private players witnessed the introduction of a number of new products deserving the attention of the customers. Privatization aims at providing benefits of the growth of the industry to the society by providing better customer service and variety of quality products at reasonable prices. The entry of so many companies in this sector was likely to affect the performance of the public sector companies. The study is an endeavor to evaluate the performance of public sector during pre and post reform era.
Financial intermediation provides the means by which funds are mobilised from within and outside an economy and reallocated to productive sectors. Financial intermediaries such as banks, insurance companies and microfinance institutions help to deepen the intermediation process. The level of economic activities, foreign direct investment inflows, savings culture of citizens and in some cases the religious belief of the people can influence the financial intermediation process significantly. Gini and Herfindahl indices have shown downward trend ,indicative of improved competition in the Ghanaian banking industry, hence deepening the financial intermediation process.The monetary and fiscal policies of Ghana as well as general improvement in economic activities and increase credit to the private sector are signs of improved financial intermediation process in Ghana.The enactment of the Savannah Accelerated Development Authority Law to revolutionalise the development trajectory of the three northern regions of Ghana is also significant.The question that should provoke national discourse is whether Islamic banking is needed to further deepen the process?
The book assesses the impact, which the establishment of Indonesian deposit insurance agency (IDIC) has had on bank intermediation. Bank intermediation is assessed through several channels, which include: i) source and use of funds (looks at the composition of source and use of funds and trajectory: savings deposits, demand deposits, and time deposits), ii) degree to which the threshold set at IDR 100 million as the maximum amount per account covered under deposit insurance regime, induced an increase in the total number of accounts having a maximum of that figure, iii) trajectory of bank credit disbursed by general banks to traditionally risky sectors such as agriculture, and iv) disbursement of bank credit to a high risk region in the aftermath of a natural disaster that increased the probability of default at the micro and macro level. Study findings indicate that IDIC establishment hasn t fundamentally altered savings and borrowing functions in Indonesian banking system but induced higher variation in working credit, credit disbursed to risky sectors, rise in bank Indonesia certificates in bank portfolios, depositor interestin and sensitivity to bank performance.