The impact of foreign banks penetration on credit for micro, small, and medium enterprises in indonesian banking sector year 2009-2011
This study aims to assess the impact of foreign banks on the credit availability to Micro, Small, and Medium Enterprises (MSMEs) in Indonesian banking sector. By using the sample from the commercial banks in the form of panel in Indonesia banking sector from 2009 to 2011, the data are processed using Stata 11. The author?s finding shows that mode of entry is a very important determinant of foreign banks? behavior. Foreign banks especially greenfield banks devote smaller credit proportion of their total portfolio to MSMEs whereas this effect is not found for foreign banks that have acquired existing domestic banks. Foreign banks also charge lower lending rates to MSMEs than domestic private banks.
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