NewzEconomist Wijayanto Samirin from Universitas Paramadina has stated that the consolidation of small banks is a necessary preliminary step toward reducing credit interest rates in Indonesia. This assessment highlights the structural role of bank size in influencing lending costs within the national financial sector.
By consolidating smaller institutions, the banking sector could potentially achieve greater efficiency and operational scale. This development is presented as a strategic move to address high credit interest rates, which remains a key objective for economic policy and financial accessibility in the country.
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