Dewi, Dina Rosmalia (2013) Pengaruh relationship banking, karakteristik borrower-lender dan loan contract pada kredit korporasi di asia pasifik periode 2006-2010. Masters thesis, Universtitas Pelita Harapan.
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Abstract
Penelitian ini untuk menguji apakah relationship banking, karakteristik
borrower-lender dan loan contract berpengaruh terhadap pemberian loan pricing
kredit korporasi di Asia pasifik periode 2006-2010. Teknik analisa yang
digunakan adalah Ordinary Least Square (OLS) dengan program Eviews 7.0.
Sedangkan Heteroskedastisitas dikontrol dengan menggunakan metode White.
Penelitian ini dibagi menjadi dua besaran sampel, yaitu all sample dan sampel
dengan data finansial, masing-masing menggunakan sub sampel non krisis dan
krisis.
Dalam memberikan pinjaman kredit korporasi di Asia Pasifik, secara umum
lender telah memperhitungkan relationship banking, karakteristik borrower dan
loan contract dalam menetapkan loan pricing kepada borrower. Pada sampel
dengan data finansial, variabel ROA dianggap paling berpengaruh terhadap
penentuan loan pricing dan cenderung mengabaikan financial leverage. Dalam
menetapkan loan pricing karakteristik lender tidak berpengaruh secara signifikan
dan telah memperhitungkan sektor industri usaha borrowernya. Hasil penelitian
menunjukkan lender cenderung memberikan spread yang lebih tinggi pada
periode krisis dibandingkan periode non krisis / This research study whether the relationship banking, borrower-lender
characteristic and loan contracts affect the loan pricing of corporate loan in Asia
Pacific 2006-2010. Analysis technique used is Ordinary Least Square (OLS) with
Eviews 7.0 program. While Heteroscedasticity controlled using the White method.
This study is divided into two sample, all samples and samples with financial
data, each using sub sample non crisis and crisis.
In Asia Pacific, lenders have generally considered relationship banking,
borrower characteristics and loan contract to determine loan pricing decisions to
the borrower. But Lenders characteristics do not affect significantly. ROA is
considered the most influential variables and industry sector has considered to
determine loan pricing. The results showed lenders tend to give higher spreads in
the crisis period than non crisis period
Item Type: | Thesis (Masters) |
---|---|
Creators: | Creators NIM Email ORCID Dewi, Dina Rosmalia NIM90120120023 UNSPECIFIED UNSPECIFIED |
Contributors: | Contribution Contributors NIDN/NIDK Email Thesis advisor UNSPECIFIED UNSPECIFIED UNSPECIFIED Thesis advisor UNSPECIFIED UNSPECIFIED UNSPECIFIED |
Uncontrolled Keywords: | mispricing; loan pricing; corporate loan; information asymmetry; relationship banking; borrower; lender; loan contract |
Subjects: | H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management |
Divisions: | University Subject > Current > Faculty/School - UPH Surabaya > Business School > Master of Management Current > Faculty/School - UPH Surabaya > Business School > Master of Management |
Depositing User: | Rafael Rudy |
Date Deposited: | 21 Nov 2022 08:55 |
Last Modified: | 21 Nov 2022 08:55 |
URI: | http://repository.uph.edu/id/eprint/51254 |