{"id":"https://openalex.org/W7201848385","doi":"https://doi.org/10.15408/sjie.v15i2.46602","title":"From Depositors\u2019 Confidence to Credit Stability: The Role of Deposit Insurance","display_name":"From Depositors\u2019 Confidence to Credit Stability: The Role of Deposit Insurance","publication_year":2026,"publication_date":"2026-08-07","ids":{"openalex":"https://openalex.org/W7201848385","doi":"https://doi.org/10.15408/sjie.v15i2.46602"},"language":"en","primary_location":{"id":"doi:10.15408/sjie.v15i2.46602","doi":"https://doi.org/10.15408/sjie.v15i2.46602","is_oa":true,"landing_page_url":"https://doi.org/10.15408/sjie.v15i2.46602","pdf_url":"https://journal.uinjkt.ac.id/index.php/signifikan/article/download/46602/19755","source":{"id":"https://openalex.org/S2737147868","display_name":"Signifikan Jurnal Ilmu Ekonomi","issn_l":"2087-2046","issn":["2087-2046","2476-9223"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315219","host_organization_name":"Jakarta State Islamic University","host_organization_lineage":["https://openalex.org/P4310315219"],"host_organization_lineage_names":["Jakarta State Islamic University"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Signifikan: Jurnal Ilmu Ekonomi","raw_type":"journal-article"},"parent_works":[],"lineage":["https://openalex.org/W7201848385"],"child_works_count":0,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://journal.uinjkt.ac.id/index.php/signifikan/article/download/46602/19755","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5055690305","display_name":"Chandra Utama","orcid":"https://orcid.org/0000-0002-0135-8245","observed_orcids":["https://orcid.org/0000-0002-0135-8245"]},"institutions":[{"id":"https://openalex.org/I137666373","display_name":"Parahyangan Catholic University","ror":"https://ror.org/01texbd31","country_code":"ID","type":"education","lineage":["https://openalex.org/I137666373"]}],"countries":["ID"],"is_corresponding":true,"raw_author_name":"Chandra Utama","raw_affiliation_strings":["Universitas Katolik Parahyangan"],"raw_orcid":"https://orcid.org/0000-0002-0135-8245","affiliations":[{"raw_affiliation_string":"Universitas Katolik Parahyangan","institution_ids":["https://openalex.org/I137666373"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5055690305"],"corresponding_institution_ids":["https://openalex.org/I137666373"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"15","issue":"2","first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9984999895095825,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9984999895095825,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10007","display_name":"Monetary Policy and Economic Impact","score":0.00019999999494757503,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14419","display_name":"Banking Systems and Strategies","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/deposit-insurance","display_name":"deposit insurance","score":0.9990000128746033},{"id":"https://openalex.org/keywords/depositor-confidence","display_name":"depositor confidence","score":0.996999979019165},{"id":"https://openalex.org/keywords/deposit-stability","display_name":"deposit stability","score":0.8519999980926514},{"id":"https://openalex.org/keywords/bank-ownership","display_name":"bank ownership","score":0.5360000133514404},{"id":"https://openalex.org/keywords/private-banks","display_name":"private banks","score":0.7300000190734863},{"id":"https://openalex.org/keywords/covid-19","display_name":"COVID-19 pandemic","score":0.8169999718666077},{"id":"https://openalex.org/keywords/financial-crises","display_name":"financial crisis","score":0.7639999985694885},{"id":"https://openalex.org/keywords/bank-credit-allocation","display_name":"bank credit allocation","score":0.5830000042915344},{"id":"https://openalex.org/keywords/financial-stability","display_name":"financial stability","score":0.5400000214576721}],"concepts":[{"id":"https://openalex.org/C2777817046","wikidata":"https://www.wikidata.org/wiki/Q376935","display_name":"Deposit insurance","level":2,"score":0.7782999873161316},{"id":"https://openalex.org/C180285013","wikidata":"https://www.wikidata.org/wiki/Q1735235","display_name":"Fixed deposit","level":3,"score":0.6085000038146973},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5792999863624573},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.5464000105857849},{"id":"https://openalex.org/C2993078247","wikidata":"https://www.wikidata.org/wiki/Q182076","display_name":"Bank credit","level":2,"score":0.5166000127792358},{"id":"https://openalex.org/C2992337254","wikidata":"https://www.wikidata.org/wiki/Q31275820","display_name":"Financial stability","level":2,"score":0.42329999804496765},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.4171000123023987},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.4059000015258789},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.3928999900817871},{"id":"https://openalex.org/C556758197","wikidata":"https://www.wikidata.org/wiki/Q580018","display_name":"Monetary economics","level":1,"score":0.38499999046325684},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.38089999556541443},{"id":"https://openalex.org/C6422946","wikidata":"https://www.wikidata.org/wiki/Q857354","display_name":"Panel data","level":2,"score":0.3750999867916107},{"id":"https://openalex.org/C2778300220","wikidata":"https://www.wikidata.org/wiki/Q114380","display_name":"Financial crisis","level":2,"score":0.37439998984336853},{"id":"https://openalex.org/C92579790","wikidata":"https://www.wikidata.org/wiki/Q200995","display_name":"Certificate of deposit","level":3,"score":0.3637999892234802},{"id":"https://openalex.org/C7255302","wikidata":"https://www.wikidata.org/wiki/Q2470676","display_name":"Export credit agency","level":5,"score":0.34779998660087585},{"id":"https://openalex.org/C14293393","wikidata":"https://www.wikidata.org/wiki/Q2663825","display_name":"General insurance","level":3,"score":0.33480000495910645},{"id":"https://openalex.org/C180879305","wikidata":"https://www.wikidata.org/wiki/Q590998","display_name":"Credit crunch","level":2,"score":0.3140000104904175},{"id":"https://openalex.org/C2778660980","wikidata":"https://www.wikidata.org/wiki/Q173800","display_name":"Bank regulation","level":2,"score":0.3043000102043152},{"id":"https://openalex.org/C198082294","wikidata":"https://www.wikidata.org/wiki/Q3399648","display_name":"Position (finance)","level":2,"score":0.29809999465942383},{"id":"https://openalex.org/C2779806880","wikidata":"https://www.wikidata.org/wiki/Q778470","display_name":"Probability of default","level":3,"score":0.29679998755455017},{"id":"https://openalex.org/C19244329","wikidata":"https://www.wikidata.org/wiki/Q208697","display_name":"Financial market","level":2,"score":0.29249998927116394},{"id":"https://openalex.org/C44249647","wikidata":"https://www.wikidata.org/wiki/Q208498","display_name":"Confidence interval","level":2,"score":0.2842000126838684},{"id":"https://openalex.org/C68842666","wikidata":"https://www.wikidata.org/wiki/Q1070699","display_name":"Credit history","level":2,"score":0.2842000126838684},{"id":"https://openalex.org/C121426985","wikidata":"https://www.wikidata.org/wiki/Q591763","display_name":"Private sector","level":2,"score":0.27790001034736633},{"id":"https://openalex.org/C175025494","wikidata":"https://www.wikidata.org/wiki/Q179179","display_name":"Interest rate","level":2,"score":0.27639999985694885},{"id":"https://openalex.org/C5891342","wikidata":"https://www.wikidata.org/wiki/Q2868302","display_name":"Property insurance","level":4,"score":0.2590000033378601}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.15408/sjie.v15i2.46602","doi":"https://doi.org/10.15408/sjie.v15i2.46602","is_oa":true,"landing_page_url":"https://doi.org/10.15408/sjie.v15i2.46602","pdf_url":"https://journal.uinjkt.ac.id/index.php/signifikan/article/download/46602/19755","source":{"id":"https://openalex.org/S2737147868","display_name":"Signifikan Jurnal Ilmu Ekonomi","issn_l":"2087-2046","issn":["2087-2046","2476-9223"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315219","host_organization_name":"Jakarta State Islamic University","host_organization_lineage":["https://openalex.org/P4310315219"],"host_organization_lineage_names":["Jakarta State Islamic University"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Signifikan: Jurnal Ilmu Ekonomi","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.15408/sjie.v15i2.46602","doi":"https://doi.org/10.15408/sjie.v15i2.46602","is_oa":true,"landing_page_url":"https://doi.org/10.15408/sjie.v15i2.46602","pdf_url":"https://journal.uinjkt.ac.id/index.php/signifikan/article/download/46602/19755","source":{"id":"https://openalex.org/S2737147868","display_name":"Signifikan Jurnal Ilmu Ekonomi","issn_l":"2087-2046","issn":["2087-2046","2476-9223"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315219","host_organization_name":"Jakarta State Islamic University","host_organization_lineage":["https://openalex.org/P4310315219"],"host_organization_lineage_names":["Jakarta State Islamic University"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Signifikan: Jurnal Ilmu Ekonomi","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7201848385.pdf","grobid_xml":"https://content.openalex.org/works/W7201848385.grobid-xml"},"referenced_works_count":32,"referenced_works":["https://openalex.org/W295472836","https://openalex.org/W2124867504","https://openalex.org/W2182949275","https://openalex.org/W2345694856","https://openalex.org/W2559067835","https://openalex.org/W2564234442","https://openalex.org/W2595765901","https://openalex.org/W2726803636","https://openalex.org/W2734422171","https://openalex.org/W2740632567","https://openalex.org/W2746825111","https://openalex.org/W2793413413","https://openalex.org/W2794550482","https://openalex.org/W2801820401","https://openalex.org/W2908012289","https://openalex.org/W2986794553","https://openalex.org/W3121746150","https://openalex.org/W3121887377","https://openalex.org/W3121914681","https://openalex.org/W3123639795","https://openalex.org/W3123709186","https://openalex.org/W3124769438","https://openalex.org/W3125102336","https://openalex.org/W3125999729","https://openalex.org/W3148423552","https://openalex.org/W3150456531","https://openalex.org/W3186806939","https://openalex.org/W3215785988","https://openalex.org/W4306854394","https://openalex.org/W4390683290","https://openalex.org/W4400958404","https://openalex.org/W4409468410"],"related_works":["https://openalex.org/W7037065162","https://openalex.org/W3200615965","https://openalex.org/W2600886898","https://openalex.org/W7167076720","https://openalex.org/W2909823349","https://openalex.org/W3121222813","https://openalex.org/W3082248019","https://openalex.org/W3122634217","https://openalex.org/W4411592042","https://openalex.org/W2940683385"],"abstract_inverted_index":{"Research":[0,29,60],"Originality:":[1],"This":[2,31,114],"study":[3,32,152],"assesses":[4],"the":[5,34,49,102,168],"impact":[6,50],"of":[7,36,51,190],"deposit":[8,37,46,52,105,120,155],"insurance":[9,38,92,106,156],"on":[10,39,54],"depositors\u2019":[11],"confidence":[12,41,56,118],"and":[13,23,25,42,48,71,79,87,130,139,146,158,167],"credit":[14,58,126],"stability,":[15,47],"incorporating":[16],"gap":[17],"dynamics,":[18],"crisis":[19],"phases":[20],"(pre-,":[21],"during,":[22],"post-COVID-19),":[24],"bank":[26,140],"ownership":[27],"heterogeneity.":[28],"Objectives:":[30],"examines":[33],"effect":[35],"depositor":[40,95,117,137],"its":[43],"implications":[44],"for":[45],"stability":[53,115,141],"banks\u2019":[55],"in":[57,110,116,123],"allocation.":[59],"Methods:":[61],"Three":[62],"datasets-":[63],"monthly":[64],"macroeconomic":[65],"time-series":[66],"data":[67],"(January":[68],"2002\u2013May":[69],"2023)":[70],"two":[72],"panel":[73],"datasets":[74],"covering":[75],"October":[76],"2005\u2013May":[77],"2023":[78,82],"March":[80],"2012\u2013May":[81],"are":[83,142],"estimated":[84],"using":[85],"PLS":[86],"OLS.":[88],"Empirical":[89],"Results:":[90],"Deposit":[91,191],"effectively":[93],"stabilizes":[94],"confidence,":[96],"especially":[97],"at":[98],"private":[99],"institutions.":[100],"Throughout":[101],"COVID-19":[103],"pandemic,":[104],"became":[107],"increasingly":[108],"critical":[109],"maintaining":[111],"market":[112],"sentiment.":[113],"drives":[119],"accumulation,":[121],"which":[122],"turn":[124],"catalyzes":[125],"supply":[127],"both":[128],"during":[129],"after":[131],"crises.":[132],"Additionally,":[133],"findings":[134],"suggest":[135],"that":[136],"behavior":[138],"sensitive":[143],"to":[144,163,178,185],"domestic":[145],"global":[147],"economic":[148],"fluctuations.":[149],"Implications:":[150],"The":[151,188],"recommends":[153],"strengthening":[154],"institutions":[157,162],"improving":[159],"coordination":[160],"among":[161],"stabilize":[164],"deposits,":[165],"credit,":[166],"financial":[169],"system.":[170],"JEL":[171],"Classification:":[172],"G21,":[173],"G22,":[174],"G28,":[175],"E32":[176],"How":[177],"Cite:Utama,":[179],"C.":[180],"(2026).":[181],"From":[182],"Depositors\u2019":[183],"Confidence":[184],"Credit":[186],"Stability:":[187],"Role":[189],"Insurance.":[192],"Signifikan:":[193],"Jurnal":[194],"Ilmu":[195],"Ekonomi,":[196],"15(2),":[197],"421-436.":[198],"https://doi.org/10.15408/sjie.v15i2.46602.":[199]},"counts_by_year":[],"updated_date":"2026-11-14T11:04:58.165337","created_date":"2026-08-08T00:00:00"}