Search

This study examine the loan portfolio structures, risk and performance of different bank ownership types in Indonesia over the period 2003-2011. Financial data of the banks are analysed by applying non-parametric univariate statistics and regression analysis. This research finds significant changes and differences between the loan portfolio structures and performance of the different bank ownership types. The findings enable the Central Bank of Indonesia to consider the ownership differences when developing or changing credit regulations.

This research is aimed at constructing an objective and accurate credit risk assessment method for Micro, Small and Medium Enterprises in Indonesia. Credit data of three sample banks is structured using eXtensible Markup Language and Database Structure Model for analysis purposes. Selected data mining techniques are applied to perform credit risk classification based on quantitative and text-based qualitative information. This fills the gap in previous studies where text-based qualitative information was excluded from the models.

This research investigates the growth of Islamic banks in Indonesia, by measuring their comparative stakeholder efficiency with that of non-Islamic banks over the period 2003 to 2010. Financial and other data of the banks are analysed by applying Data Envelopment Analysis and regression analysis. This research finds significant differences between the stakeholder efficiency of the Islamic and non-Islamic banks.The findings indicate that Islamic banks should improve their stakeholder efficiency to enable to attain sustainable growth.