BNI Marketing Strategy for Credit Cards in Dealing Global Competition in State Bank Indonesia (Persero) Tbk Banda Aceh Branch Office

Simulation of Tsunami Impact on Sea Surface Salinity along Banda Aceh Coastal Waters, Indonesia

The Failure of Price Competition: Credit Cards

There is an ongoing debate about the credit card industry regarding how effective competition has been at reducing prices. Some experts argue that intense competition is clearly evident and leads to low prices that contain no excess profit. However, other experts find evidence both in price data and in market concentration that competition has failed. A model is presented here showing that if t...

Credit Risk Transfer and Bank Competition

We present a banking model with imperfect competition in which borrowers’ access to credit is improved when banks are able to transfer credit risks. However, the market for credit risk transfer (CRT) works smoothly only if the quality of loans is public information. If the quality of loans is private information, banks have an incentive to grant unprofitable loans in order to transfer them to o...

Developing Fragility Functions for Tsunami Damage Estimation Using Numerical Model and Post-tsunami Data from Banda Aceh, Indonesia

Fragility functions, as new measures for estimating structural damage and casualties due to tsunami attack, are developed by an integrated approach using numerical modeling of tsunami inundation and GIS analysis of post-tsunami survey data of the 2004 Sumatra– Andaman earthquake tsunami disaster, obtained from Banda Aceh, Indonesia. The fragility functions are expressed as the damage probabilit...

Credit quantity and credit quality: Bank competition and capital accumulation

In this paper we show that bank competition has an intrinsically ambiguous impact on capital accumulation. We further show that it is also responsible for the emergence of development traps in economies that otherwise would be characterized by unique equilibria. These results explain the conflicting evidence emerging from the recent empirical studies of the effects of bank competition on econom...