Jurnal Keuangan dan Perbankan

Jurnal Keuangan dan Perbankan (Finance and Banking Journal) is a publication of Finance and Banking Program of  University of Merdeka Malang. The journal is an article published continuously which is intended not only as a place to share ideas, study, and analysis but also as an information channel to improve and develop finance and banking science. This publication consists of scientific writings in the form of research result, analysis, and application theory, conceptual idea, new book review, bibliography, and practical writing from experts, academics, and practitioners. The published writings have been in the process of editing needed by the publisher without changing the substance as the original script. The writing in each publication is the personal responsibility of the author and it does not reflect the publisher’s idea.

JKP (Finance and Banking Journal) is published four times a year, in January, April, July and October.

Editor receives relevant writing in improving the science of finance and banking. The writing must be the original (not plagiarism) thing of thought, research result, ideas with references like scientific writing, and it has not been published by another publisher. The writing which is not published in two editions at a stretch is considered that it does not fulfill the requirements and it is not returned.

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Vol 16, No 3 (2012): September 2012

Table of Contents



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