Pengaruh Masuknya Bank Asing Terhadap Kinerja Bank Domestik

Abstract

Menggunakan 340 data bank – bank domestik di Indonesia selama periode tahun 2005 hingga tahun 2008, penelitian ini menguji tentang dampak masuknya bank asing terhadap kinerja bank domestik di Indonesia, dengan membandingkan net interest margin, non interest margin, non performing loan, before tax profit dan operational cost bank – bank domestik di Indonesia dengan foreign market share bank asing. Hasil penelitian menunjukkan bahwa masuknya bank asing di Indonesia berdampak negatif pada net interest margin, non performing loan dan before tax profit bank – bank domestik di Indonesia. Sedangkan masuknya bank asing berdampak positif terhadap operational cost bank – bank domestik di Indonesia namun tidak memiliki pengaruh secara signifikan terhadap non interest margin.

Using 340 data banks - domestic banks in Indonesia during the period 2005 to 2008, the study examines the impact of foreign bank entry on domestic bank performance in Indonesia, by comparing the net interest margin, non-interest margin, non-performing loans, and profit before tax operational cost banks - banks in Indonesia with the foreign domestic market share of foreign banks. The results showed that the entry of foreign banks in Indonesia have a negative impact on net interest margin, non-performing loans and bank profit before tax - domestic banks in Indonesia. While the entry of foreign banks have a positive impact on operational cost banks - domestic banks in Indonesia but has no significant effect on non-interest margin.