arbiter
JournalsPricingAccount

Loan Restructuring and Deposit Growth: Evidence from the Market Discipline during the COVID-19 Outbreak

Indra Tumbelaka

Bulletin of Monetary Economics and Banking2025https://doi.org/10.59091/2460-9196.2167article
ABDC C
Weight
0.37

What the paper says

Amid the COVID-19 pandemic, banks boosted loan restructuring efforts to offer borrowers assistance and preserve credit quality. This study employs dynamic and static panel data from Indonesian commercial banks to include restructured loans as a metric for assessing market discipline prior to and during the pandemic. Depositors shown discipline about banks’ credit risk during the COVID-19 period and exhibited heightened sensitivity to restructured loans. Subsequent analysis indicates that the association between deposit growth and restructured loans was more pronounced in government, small, and publicly listed banks during the outbreak

1 citation

Open paper page →

Cite this paper

https://doi.org/https://doi.org/10.59091/2460-9196.2167

Or copy a formatted citation

@article{indra2025,
  title        = {{Loan Restructuring and Deposit Growth: Evidence from the Market Discipline during the COVID-19 Outbreak}},
  author       = {Indra Tumbelaka},
  journal      = {Bulletin of Monetary Economics and Banking},
  year         = {2025},
  doi          = {https://doi.org/https://doi.org/10.59091/2460-9196.2167},
}

Paste directly into BibTeX, Zotero, or your reference manager.

Flag this paper

Loan Restructuring and Deposit Growth: Evidence from the Market Discipline during the COVID-19 Outbreak

Flags are reviewed by the Arbiter methodology team within 5 business days.

Evidence weight

0.37

Balanced mode · F 0.40 / M 0.15 / V 0.05 / R 0.40

F · citation impact0.16 × 0.4 = 0.06
M · momentum0.53 × 0.15 = 0.08
V · venue signal0.50 × 0.05 = 0.03
R · text relevance †0.50 × 0.4 = 0.20

† Text relevance is estimated at 0.50 on the detail page — for your query’s actual relevance score, open this paper from a search result.