Arbeitspapier
Regional Interest Rate Variations: Evidence from the Indonesian Credit Markets
This paper explores the determinants of regional differences in interest rates based on a simple theoretical model of loan pricing. The model demonstrates how risks, costs, market concentration and scale economies jointly determine the bank's interest rates. Using recent data of the Indonesian local credit markets, we find that regional interest rate variations are positive and significantly affected by the banks' risk factor, the operating costs, and market concentration. Scale economies negatively affect the interest rates. These findings help to explain geographical segmentation in loan markets.
- Sprache
-
Englisch
- Erschienen in
-
Series: Tinbergen Institute Discussion Paper ; No. 12-073/3
- Klassifikation
-
Wirtschaft
Finance in Urban and Rural Economies
Interest Rates: Determination, Term Structure, and Effects
Multiple or Simultaneous Equation Models: Panel Data Models; Spatio-temporal Models
- Thema
-
regional capital mobility
loan pricing
interest rates
Indonesia
Kreditgeschäft
Zins
Kapitalmobilität
Skalenertrag
Kreditmarkt
Marktsegmentierung
Indonesien
- Ereignis
-
Geistige Schöpfung
- (wer)
-
Ridhwan, Masagus M.
de Groot, Henri L.F.
Rietveld, Piet
Nijkamp, Peter
- Ereignis
-
Veröffentlichung
- (wer)
-
Tinbergen Institute
- (wo)
-
Amsterdam and Rotterdam
- (wann)
-
2012
- Handle
- Letzte Aktualisierung
-
10.03.2025, 11:43 MEZ
Datenpartner
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ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. Bei Fragen zum Objekt wenden Sie sich bitte an den Datenpartner.
Objekttyp
- Arbeitspapier
Beteiligte
- Ridhwan, Masagus M.
- de Groot, Henri L.F.
- Rietveld, Piet
- Nijkamp, Peter
- Tinbergen Institute
Entstanden
- 2012
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