ManuScript Details
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Paper Id:
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IJARW2883
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Title:
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THE IMPACT OF FINANCIAL INCLUSION AND MARKET POWER ON BANK STABILITY: PRACTICE IN SIX ASEAN COUNTRIES
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| Published in: |
International Journal Of All Research Writings |
| Publisher: |
IJARW |
| ISSN: |
2582-1008 |
| Volume / Issue: |
Volume 7 Issue 7 |
| Pages: |
13
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| Published On: |
1/3/2026 3:22:31 AM (MM/dd/yyyy) |
Main Author Details
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Name:
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Quynh Lan Thi Du |
| Institute: |
Faculty of Finance, Ho Chi Minh University of Banking |
Co - Author Details
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Author Institute |
Abstract
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Research Area:
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Management |
| KeyWord: |
financial inclusion, bank competition, bank stability. |
| Abstract: |
This paper aims to explore how financial inclusion and market power impact bank stability in the ASEAN economy. Financial inclusion index – IFI, which is calculated on two dimensions, availability (bank branches, the number of ATMs per 100,000 adults), and usage (volume of credit and deposit from the private sector as a proportion of the country’s GDP). Lerner index is considered as the most accurate measure of bank-specific competition. The system generalized method of moments (SGMM) regression method was used to analyze the effect of financial inclusion and market power on bank stability (non-performing loan and Zscore). Due to positive impacts on bank stability, raising the number of deposit accounts at commercial banks and increasing the total volume of credit and deposits are encouraged. Increasing the number of ATMs or/and bank branches, however, needs careful consideration because of the negative effect on Zscore and being able to lead to instability. In addition, we found that banks with higher market power have not to be riddled with non-performing loans and preserve bank stability. |
Citations
Copy and paste a formatted citation or use one of the links to import into a bibliography manager and reference.
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IEEE
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Quynh Lan Thi Du, "THE IMPACT OF FINANCIAL INCLUSION AND MARKET POWER ON BANK STABILITY: PRACTICE IN SIX ASEAN COUNTRIES", International Journal Of All Research Writings,
vol. 7, no. 7, pp. 1-13, 2026.
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MLA
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Quynh Lan Thi Du "THE IMPACT OF FINANCIAL INCLUSION AND MARKET POWER ON BANK STABILITY: PRACTICE IN SIX ASEAN COUNTRIES." International Journal Of All Research Writings,
vol 7, no. 7, 2026, pp. 1-13.
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APA
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Quynh Lan Thi Du (2026). THE IMPACT OF FINANCIAL INCLUSION AND MARKET POWER ON BANK STABILITY: PRACTICE IN SIX ASEAN COUNTRIES. International Journal Of All Research Writings,
7(7), 1-13.
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THE IMPACT OF FINANCIAL INCLUSION AND MARKET POWER ON BANK STABILITY: PRACTICE IN SIX ASEAN COUNTRIES
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THE IMPACT OF FINANCIAL INCLUSION AND MARKET POWER ON BANK STABILITY: PRACTICE IN SIX ASEAN COUNTRIES
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