MASALAH INFORMASI ASIMETRIK DALAM SISTEM PERBANKAN SYARIAH: ADVERSE SELECTION PROBLEM

Bakhtiar, Toni and Sugema, Iman (2012) MASALAH INFORMASI ASIMETRIK DALAM SISTEM PERBANKAN SYARIAH: ADVERSE SELECTION PROBLEM. SEMINAR NASIONAL DAN CALL FOR PAPERS . ISSN 978-979-3649-65-8

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Abstract

One characteristic of credit market is the existence of asymmetric information between financial institution, i.e., the bank, and the borrowers. Particularly in the adverse selection problem, the bank has no ability and knowledge to differentiate some investment projects based on their risks. Most of commercial banks conduct their banking and financial systems under interest scheme, which is vulnerable to asymmetric information problems. In this paper we provide a formal proof that sharia banking system, which operates under profit and loss sharing mechanism, has immunity against adverse selection problem.

Item Type:	Article
Uncontrolled Keywords:	adverse selection problem, asymmetric information problem, sharia banking, profit and loss sharing.
Subjects:	H Social Sciences > HG Finance
Faculty / Institution:
Depositing User:	User Proceeding
Date Deposited:	03 Jul 2012 05:49
Last Modified:	05 Jul 2012 04:09
URI:	https://eprints.unisbank.ac.id/id/eprint/175

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