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Do Indonesian Islamic Microfinance Institutions Need Lender of the Last Resort?

机译:印度尼西亚伊斯兰小额信贷机构是否需要最近手段的贷款人?

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Liquidity risk is one of significant risk managed by financial intermediaries including Islamic Microfinance Institutions (IMFIs). The financial intermediaries accept short-term deposits and disburse these deposits in the form of long-term loans. This situation makes IMFI desperately need a lender of last resort (LOLR). Nevertheless, there has been no formal LOLR for Indonesian IMFIs. This study intends to construct the LOLR model for IMFI in Indonesia. This qualitative study applies a case study analysis. This studys subjects are IMFIs in East Java Province that was selected purposively with thirty managers as the key informants. Research findings show that the best model of LOLR is developing a secondary cooperative since the majority form of IMFIs in Indonesia are cooperative entities. With all members of a secondary cooperative deposit for reserve requirements, they can place excess liquidity in the secondary cooperative and ask for financial support.
机译:流动性风险是金融中介机构管理的重要风险之一,包括伊斯兰小额信贷机构(IMFIS)。金融中介机构以长期贷款的形式接受短期存款和剥夺这些存款。这种情况使IMFI拼命地需要一个终端的贷款人(LOLR)。尽管如此,印度尼西亚的IMFI没有正式的LOLR。本研究打算在印度尼西亚构建IMFI的LOLR模型。这种定性研究适用于案例研究分析。该研究主题是东爪哇省的IMFIS,用三十个管理者作为关键信息人员选出。研究结果表明,由于印度尼西亚的大多数形式的IMFI是合作实体,因此LOLR的最佳模型正在开发二级合作社。与储备要求的二级合作押金的所有成员,他们可以在次要合作中放置过多的流动性并要求进行财务支持。

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