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BULLETIN OF MONETARY ECONOMICS AND BANKING | Printed ISSN: 1410 8046 | Online ISSN: 2460 9196 | Published by: Central Banking Research Department, Bank Indonesia | Jl. M.H Thamrin No. 2 Jakarta, Indonesia | Phone:+62(21) 2981-6571, Fax.: +62 (21) 352-4484. e-Mail: paper.bemp@gmail.com; bemp@bi.go.id