| dc.contributor.author | ['Sahadewo, Gumilang Aryo', 'Purwanto, Bernardinus Maria', 'Pradiptyo, Rimawan'] | |
| dc.date.accessioned | 2025-09-23T06:29:21Z | |
| dc.date.available | 2025-09-23T06:29:21Z | |
| dc.date.issued | 2018-12-30 00:00:00 | |
| dc.identifier.issn | - | |
| dc.identifier.uri | https://jurnal.ugm.ac.id/gamaijb/article/view/38873 | |
| dc.identifier.uri | http://digilib.fisipol.ugm.ac.id/repo/handle/15717717/24355 | |
| dc.description.abstract | The implementation of a deposit insurance scheme entails a trade off. On one hand, as shown in theoretical and empirical studies, a deposit insurance scheme reduces the likelihood of a bank run. On the other hand, a deposit insurance scheme induces moral hazard among bankers that may lead to bank failures. We rigorously test the effect of different deposit coverage limit and the implementation of a differential premium treatment on bankers’ behaviors in the deposit and credit market. We do so by designing a laboratory experiment that involves real bankers as participants. We find that the coverage limit treatments do not have any effect on deposit rate offer. Nevertheless, we find that a high deposit coverage limit induces smaller banks to have a higher share of risky projects. This is evidence of moral hazard particularly among small banks. | |
| dc.format | application/pdf | |
| dc.language.iso | eng | |
| dc.publisher | Master in Management, Faculty of Economics and Business, Universitas Gadjah Mada | |
| dc.relation.uri | https://jurnal.ugm.ac.id/gamaijb/article/view/38873/24301 | |
| dc.rights | ['Copyright (c) 2019 Gadjah Mada International Journal of Business', 'http://creativecommons.org/licenses/by-sa/4.0'] | |
| dc.subject | ['Economics; Banking', 'deposit insurance, credit market, deposit market, banking, moral hazard, laboratory experiment.', 'G21, G28'] | |
| dc.title | Does a Deposit Insurance Scheme Induce Moral Hazard among Bankers? Evidence from an experiment with bankers | |
| dc.type | Article | |
| dc.identifier.oai | oai:jurnal.ugm.ac.id:article/38873 | |
| dc.journal.info | ['Gadjah Mada International Journal of Business; Vol 20, No 3 (2018): September-December; 355-373', '2338-7238', '1411-1128'] | |
