Quarterly Outlook On Monetary, Banking, And Payment System In Indonesia: Quarter Iv-2015 -- Tm Arief Machmud, Syachman Perdymer, Muslimin Anwar, Nurkholisoh Ibnu Aman, Tri Kurnia Ayu K, Anggita Cinditya Mutiara K, Illinia Ayudhia Riyadi -- 231-250rnDirect And Indirect Effects Of Pro-Poor Growth -- Maria Piotrowska -- 251-280 rnFinancial Inclusion And Inclusive Growth: A Cross-Province Analysis In Indonesia -- I Made Sanjaya, Nursechafia -- 281-306rnThe Efficiency Of Banks In Indonesia: Sharia Vs. Conventional Banks -- Mokhamad Anwar -- 307-332rnNexus Of Competition And Stability: Case Of Banking In Indonesia -- Tri Mulyaningsih, Anne Daly, Riyana Miranti -- 333-350rn