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"Tesis ini membahas pengaruh makroekonomi dan konsenterasi perbankan terhadap penyaluran kredit UMKM di 33 provinsi di Indonesia selama periode 2007-2012. Penelitian kuantitatif ini menggunakan teknik estimasi data panel dengan metode Fixed Effect. Hasilnya menunjukkan konsentrasi perbankan, inflasi, dan suku bunga kredit modal kerja (SBMK) berpengaruh signifikan, sedangkan PDRB tidak berpengaruh signifikan. Tesis ini menyarankan Bank Indonesia dan Otoritas Jasa Keuangan (OJK) memperlonggar regulasi kredit bagi UMKM. Bank sentral juga perlu menjaga stabilitas inflasi dan tingkat suku bunga pada level yang rendah. Pemerintah daerah perlu membantu meningkatkan kualitas UMKM melalui pelatihan usaha dan keuangan, serta mendorong BPD meningkatkan alokasi kredit UMKM.

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This thesis analyses the influence of macroeconomic and banking concentration towards loan disbursement for MSME in 33 provinces in Indonesia during 2007-2012. The quantitative approach of this research uses data panel estimation with Fixed Effect method. The result shows that banking concentration, inflation and working capital lending rate (SBMK) have significant impact, while GDP has smaller impact. It suggests the central bank and Financial Service Authority (OJK) to ease credit regulation for MSME. The central bank also needs to maintain inflation stability and interest rate at a low level. The regional government must enhance the MSME quality through business and financial training, and urge regional development banks to increase credit allocation for MSME."

"ABSTRACTPenelitian ini bertujuan untuk menguji tingkat kompetisi perbankan terhadap cost of credit dan akses kredit perusahaan. Penelitian terdahulu dengan sampel negara maju menunjukkan hasil bahwa kompetisi bank meningkatkan cost of credit, sejalan dengan information hypothesis, dan kompetisi bank meningkatkan akses perusahaan terhadap kredit yang sejalan degan market power hypothesis. Menggunakan data pada industri perbankan dan perusahaan di ASEAN-5 Country yang terdiri dari Indonesia, Malaysia, Singapura, Thailand dan Filipina pada periode 2005-2016, penelitian ini menunjukkan bahwa peningkatan kompetisi perbankan menyebabkan akses yang lebih mudah terhadap kredit bank dan menurunkan cost of credit. Hasil penelitian ini konsisten pada berbagai pengukuran kompetisi bank yang berbeda yaitu CR5, Herfindahl-hirschman Index, dan Lerner Index. Penelitian ini juga menunjukkan bahwa ukuran dan tangibility perusahaan mempengaruhi besarnya pengaruh kompetisi bank terhadap cost of credit dan akses kredit.

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ABSTRACTThis research investigates the effect of bank competition on firm rsquo s cost of and access to credit. Some previous studies in developed countries have found that bank competition increases the cost of credit, in line with the information hypothesis. The bank competition also increases firm rsquo s access to credit based on the market power hypothesis. However, banking industry in developing countries have different characteristics compared to developed counties and this leads to a different result from previous studies. Using data from ASEAN 5 Country from 2005 to 2016, this study found that the increase of banking competition leads to an easier access for firm to obtain credit and also decreases the cost of credit that should be paid by the firm. These results are consistent with a broad set of measure of bank competition, which is CR5, Herfindahl hirchman Index and Lerner Index. We also find that the effect of bank competition on cost of credit is generally influence by firm rsquo s size and tangibility. "