The 'quiet life hypothesis (QLH)' posits that banks enjoy the advantages of market power in terms of foregone revenues or cost savings. We suggest a uni ed approach to measure competition and e ciency simultaneously to test this hypothesis. We estimate bank-speci c Lerner indices as measures of competition and test if cost and pro t e ciency are negatively related to market power in the case of...

The background to the increase in Easy Wadiah Saving Product is marketing product public through a strategy. However, before determining strategy, bank must analyze advantages and disadvantages of its products, one analyzes called SWOT analysis (Strengths, Weaknesses, Opportunities, Threats). This study aims determine Threats) strategy at Bank Syariah Indonesia Sub Branch Office 2 Buah Batu Ban...

The majority of the poor lack access to bank accounts and have to use costly informal savings mechanisms. Using a field experiment, I randomly gave access to simple bank accounts with no fees at local bank branches to a large sample of female household heads in Nepal. Results show that there is untapped demand for savings accounts and that the poor do save. Access to the savings accounts increa...

Financial markets now operate quite differently. Due to the vast array of savings and investment firms, products they offer, terms conditions investments, numerous complicated laws regulations that are in place, investing money has become a highly complex process. Most investors, despite remarkable growth economy high-income levels living metropolitan cities found unaware about avenues rules re...