T. Akira and A. S. Alisjahbana, Regional Income Inequality in Indonesia and the Initial Impact of the Economic Crisis, Bulletin of Indonesian Economic Studies, vol.38, pp.201-222, 2002.

K. M. Ansari, Budget! trickle down?. Paper retrieved from the website of Journalist for Democracy and Human Rights, 2007.

A. F. Aritenang, A Study on Indonesia Regions Disparity: Post Decentralization, SSRN Electronic Journal, 2008.
DOI : 10.2139/ssrn.1737977

O. Becerra, E. Cavallo, and C. Scartascini, The politics of financial development: The role of interest groups and government capabilities, Journal of Banking & Finance, vol.36, issue.3, pp.626-643, 2012.
DOI : 10.1016/j.jbankfin.2011.10.017

T. Beck, A. Demirgüç-kunt, and R. Levine, Law and finance: why does legal origin matter?, Journal of Comparative Economics, vol.31, issue.4, pp.653-675, 2003.
DOI : 10.1016/j.jce.2003.08.001

C. J. Chen, Z. Li, X. Su, and Z. Sun, Rent-seeking incentives, corporate political connections, and the control structure of private firms: Chinese evidence, Journal of Corporate Finance, vol.17, issue.2, pp.229-243, 2011.
DOI : 10.1016/j.jcorpfin.2010.09.009

M. Dehesa, P. Druck, and A. Plekhanov, Relative Price Stability, Creditor Rights, and Financial Deepening, 2007.

A. Demirguc-kunt and V. Maksimovic, Law, Finance and Firm Growth, SSRN Electronic Journal, vol.53, pp.2107-2138, 1998.
DOI : 10.2139/ssrn.139825

A. Dietrich, G. Wanzenried, and R. A. Cole, Why are net-interest margins across countries so different?. Working Paper presented in the European Financial Management Conference, 2009.

S. Djankov, C. Mcliesh, and A. Shleifer, Private credit in 129 countries???, Journal of Financial Economics, vol.84, issue.2, pp.299-329, 2007.
DOI : 10.1016/j.jfineco.2006.03.004

A. Galindo and A. Micco, Creditor Protection and Financial Markets: Empirical Evidence and Implications for Latin America Federal Reserve Bank of, Atlanta Economic Review, vol.2, pp.29-37, 2004.

A. Galindo and A. Micco, Creditor Protection and Credit Volatility, SSRN Electronic Journal, 2005.
DOI : 10.2139/ssrn.1818728

DOI : 10.1111/j.1746-1049.2010.00102.x

S. Hamori and Y. Hashiguchi, The effect of financial deepening on inequality: Some international evidence, Journal of Asian Economics, vol.23, issue.4, pp.353-359, 2012.
DOI : 10.1016/j.asieco.2011.12.001

I. Hasan, P. Wachtel, and M. Zhou, Institutional development, financial deepening and economic growth: Evidence from China, Journal of Banking & Finance, vol.33, issue.1, pp.157-170, 2009.
DOI : 10.1016/j.jbankfin.2007.11.016

J. V. Henderson and A. Kuncoro, Corruption and local democratization in Indonesia: The role of Islamic parties, Journal of Development Economics, vol.94, issue.2, pp.164-180, 2011.
DOI : 10.1016/j.jdeveco.2010.01.007

N. Herger, R. Hodler, and M. Lobsiger, What Determines Financial Development? Culture, Institutions or Trade, Review of World Economics, vol.144, issue.3, pp.558-587, 2008.
DOI : 10.1007/s10290-008-0160-1

T. Jappelli and M. Pagano, Information sharing, lending and defaults: Cross-country evidence, Journal of Banking & Finance, vol.26, issue.10, pp.2017-2062, 2002.
DOI : 10.1016/S0378-4266(01)00185-6

R. King and R. Levine, Finance and Growth: Schumpeter Might Be Right, The Quarterly Journal of Economics, vol.108, issue.3, pp.681-737, 1993.
DOI : 10.2307/2118406

L. Porta, R. Lopez-de-silanes, F. Shleifer, A. Vishny, and R. W. , Legal determinants of external finance, Journal of Finance, vol.52, pp.1131-1150, 1997.
DOI : 10.3386/w5879

L. Laeven and G. Majnoni, Does judicial efficiency lower the cost of credit?, Journal of Banking & Finance, vol.29, issue.7, pp.1791-1812, 2005.
DOI : 10.1016/j.jbankfin.2004.06.036

R. Levine, The Legal Environment, Banks, and Long-Run Economic Growth, Journal of Money, Credit and Banking, vol.30, issue.3, pp.596-613, 1998.
DOI : 10.2307/2601259

A. Morse, Payday lenders: Heroes or villains?, Journal of Financial Economics, vol.102, issue.1, pp.28-44, 2011.
DOI : 10.1016/j.jfineco.2011.03.022

T. N. Mursitama, Creating relational rents: The effect of business groups on affiliated firms??? performance in Indonesia, Asia Pacific Journal of Management, vol.42, issue.2, pp.537-557, 2006.
DOI : 10.1007/s10490-006-9014-3

R. G. Rajan and L. Zingales, The great reversals: the politics of financial development in the twentieth century, Journal of Financial Economics, vol.69, issue.1, pp.5-50, 2003.
DOI : 10.1016/S0304-405X(03)00125-9

M. J. Roe and J. I. Siegel, Political instability: Effects on financial development, roots in the severity of economic inequality, Journal of Comparative Economics, vol.39, issue.3, pp.279-309, 2011.
DOI : 10.1016/j.jce.2011.02.001

J. K. Rosengard and A. Prasetyantoko, If the Banks are Doing So Well, Why Can't I Get a Loan? Regulatory Constraints to Financial Inclusion in Indonesia, Asian Economic Policy Review, vol.46, issue.3, pp.273-296, 2011.
DOI : 10.1111/j.1748-3131.2011.01205.x

M. A. Stegman, Payday Lending, Journal of Economic Perspectives, vol.21, issue.1, pp.169-190, 2007.
DOI : 10.1257/jep.21.1.169

M. A. Stegman and R. Faris, Payday Lending: A Business Model that Encourages Chronic Borrowing, Economic Development Quarterly, vol.17, issue.1, pp.8-32, 2003.
DOI : 10.1177/0891242402239196

I. Trinugroho, A. Agusman, and A. Tarazi, Why have bank interest margins been so high in Indonesia since the 1997/1998 financial crisis?, Research in International Business and Finance, vol.32, pp.139-158, 1997.
DOI : 10.1016/j.ribaf.2014.04.001

URL : https://hal.archives-ouvertes.fr/hal-01134850