PERSAINGAN INDUSTRI PERBANKAN: SUATU KAJIAN LITERATUR
ABSTRACT: Level of
concentration is an amount of structure and level of competition or collusion among
industries which affects industry performance. As a result, the raise of market
concentration will cause
the raise of
collusive behavior than
competition. This condition leads
industries to set
higher price to
increase their profit.
Although structural approach has
a weakness, where
market concentration variable
which is frequently substituted
with the proxy
of concentration ratio
which is always
treated as exogenous variable,
whereas theoretically, concentration
ratio is endogenous variable and as a result the
manner of its effect is not always from concentration to profit, but
can also happen
contrary, therefore non-structural approach
emerged based on Panzer and Rosse Model (1987). Analysis of banking
industry competition can be conducted by applying structural and non-structural
approach. In structural approach, competition level is assessed from the change
of market concentration and power
level. Meanwhile in
non-structural approach, competition
level is assessed from company cost structure. Many
researches using structural approach show that concentration level
or efficiency can
affect performance, while
by using non-structural approach, researches show that
banks perform monopoly competition.
Keywords: Structural Approach;
Non-Structural Approach; Banking Industry
Penulis: Rizky Yudaruddin
Kode Jurnal: jpmanajemendd120254
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