文章基本信息

标题：Mobilization of funds in Indonesian regional banking
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作者：Sapto Jumono ; Sugiyanto ; Chajar Matari Fath Mala 等
期刊名称：Management Science Letters
印刷版ISSN：1923-9335
电子版ISSN：1923-9343
出版年度：2020
卷号：10
期号：2
页码：295-302
DOI：10.5267/j.msl.2019.9.002
语种：English
出版社：Growing Science
摘要：The speed of mobility of public funds by the banking sector implies the conditions of economic liquidity and internal bank liquidity. The faster the mobility of funds, the more the availability of liquidity for the community, the higher banking profitability, and the lower bank's internal liquidity. The uncontrolled mobility of funds can have severe consequences for both banks and society. As an intermediary financial institution, banking plays the main role to be the intermediary institution between surplus units and deficit units. This study aims to find out the factors influencing funds mobilization by Regional Development Bank (RDB) in Indonesia. The data research is quarterly financial statement secondary data of Indonesian regional banking from 2010 to 2017. There are 26 RDBs as the sample and this research uses regression as the research method. The result shows that regional external economic variables such as GDP, Exchange Rate and Inflation, market concentration, and banking characteristics affected the funds mobilization of Indonesian RDBs. This means the pricing strategy must consider more to external and internal variables of economics. In the future, Indonesian RDBs need to develop specific deposits and credits products to maintain and increase the mobilization of funds function.