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Abstrak :
Penelitian ini bertujuan untuk mengidentifikasi pengaruh dari perbedaan jenis kepemilikan bank terhadap pertumbuhan pinjaman bank di kawasan ASEAN-5 saat krisis keuangan global periode 2008-2009 dan krisis sovereign debt di Eropa periode 2010-2013. Terdapat 3 jenis kepemilikan bank yang digunakan dalam penelitian ini, yaitu kepemilikan pemerintah, kepemilikan swasta domestik, dan kepemilikan asing. Peneliti menemukan bahwa dikedua periode krisis, bank milik pemerintah cenderung memiliki pertumbuhan yang lebih tinggi daripada bank swasta domestik. Sedangkan, bank asing memiliki pertumbuhan pinjaman yang lebih rendah dibandingkan bank-bank domestik di kawasan ASEAN-5 saat terjadi krisis sovereign debt di Eropa. Akan tetapi, pada saat krisis keuangan global 2008-2009, pertumbuhan pinjaman bank asing di ASEAN-5 lebih tinggi dibandingkan bank milik pemerintah maupun bank swasta domestik Terdapat perbedaan perilaku antara bank asing dan bank domestik di ASEAN-5 selama periode krisis.

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This study aims to identify the impact of bank ownership types on the growth of bank lending in ASEAN 5 region during the 2008 2009 global financial crisis and the European sovereign debt crisis 2010 2013. There are three types of bank ownership that used in this study state owned, private domestic owned, and foreign owned. This study found that the government owned banks had higher lending growth than domestic private owned banks during the crisis period. Meanwhile, foreign banks had lower bank lending growth than domestic banks in ASEAN 5 during the European sovereign debt crisis. However, during the global financial crisis, foreign owned banks in ASEAN 5 tend to lend more and had higher lending growth than government owned banks and domestic private banks. There are differences in the behavior of foreign and domestic banks in ASEAN 5 during the crisis.

Abstrak :
Public debt dynamics of Europe and the U.S., provides the evidence and implications of current policies by sovereigns and central banks, in dealing with the debt abyss. It brings in perspective the diversity of opinion reigning in modern economics and finance and outlines the themes which, among themselves, are defining the society in which we live. Our epoch has accepted the theory that leveraging is good for a person, a company or even a nation. This has led to the debt syndrome and its disastrous aftereffects. Throughout the book evidence emerges that piling up public debt can lead to an unmitigated disaster. This is demonstrated through case studies on Greece, Spain, Italy, France and the United States – in short, those western countries that nowadays have lost control of their senses and of their economy. This book uses real life examples, using case studies as evidence of good and bad approaches to social, economic and financial life. Live events also help as undisputable demonstrators of successes and failures in the search for solutions in getting out of the hole western governments find themselves. As Denis Healey, a former British chancellor of the Exchequer, once said: “The first law of holes is that if you are in one stop digging.”