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"Penelitian ini bertujuan untuk mengetahui pengaruh struktur pasar terhadap profitabilitas dan stabilitas perbankan Syariah di Indonesia dan Malaysia dalam menghadapi ASEAN Banking Integration Framework ABIF 2020. Penelitian ini mencakup 12 Bank Syariah dari Indonesia dan 16 Bank Syariah dari Malaysia, dari tahun 2009 hingga 2015. Hubungan konsentrasi terhadap profitabilitas dijelaskan melalui hipotesis Structure-Conduct-Performance SCP dan hipotesis Relative Market Power RMP . Hipotesis RMP terbukti di Malaysia, sedangkan di Indonesia tidak mendukung kedua hipotesis tersebut. Selain itu baik pada bank Syariah di Indonesia dan Malaysia mendukung hipotesis Concentration-Stability.

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This study aimed for analyzing the influence of market structure on Islamic bank profitability and stability in Indonesia and Malaysia related to ASEAN Banking Integration plan in 2020. The sample are 12 Indonesia Islamic Bank and 16 Malaysia Islamic bank from 2009 2015. The relationship between concentration with profit has two hypotheses, sctructure conduct performance SCP hypothesis and relative market power RMP hypothesis. Islamic Bank in Malaysia confirm the existence of RMP hypoyhesis, but there is ambiguous result toward SCP and RMP hypothesis in Indonesia Islamic Bank. Meanwhile concentration stability confirmed both in Indonesia and Malaysia."

"[ABSTRAKbrPenelitian ini bertujuan untuk menganalisis pengaruh dari struktur pasarperbankan terhadap profitabilitas dan stabilitas bank terkait rencana integrasisektor perbankan ASEAN yang merupakan salah satu cetak biru dari MasyarakatEkonomi ASEAN (MEA). Dalam mengukur struktur pasar perbankan digunakanpangsa pasar bank {Relative Market Power (RMP) Hypotesis} dan konsentrasipasar perbankan {Structure Conduct Performance (SCP) Hypothesis}. Penelitianini menggunakan data bank komersial yang terdaftar di pasar bursa saham negaraASEAN 4, yaitu Indonesia, Malaysia, Thailand, dan Filipina pada periode 2009-2014. Hasil penelitian ini menunjukan RMP Hypothesis berlaku di perbankanASEAN dalam mempengaruhi profitabilitas bank, namun tidak berlaku diThailand dan Filipina. Di Indonesia SCP Hypothesis berlaku dominan dalammenentukan profitabilitas bank. Lain halnya dengan Malaysia, EfficiencyHypothesis mengonfirmasi hubungan pangsa pasar, konsentrasi pasar, danprofitabilitas bank. Penelitian ini juga menemukan bahwa konsentrasi pasarperbankan berpengaruh negatif terhadap stabilitas bank pada perbankan ASEAN,Thailand dan Filipina. Hal tersebut mendukung konsep Concentration Fragility.Lain halnya dengan Indonesia dan Malaysia, konsetrasi pasar perbankan membuatbank lebih tidak stabil. Sehingga hal tersebut mendukung Concentration Stability.Penemuan penting dalam penelitian ini adalah bank dengan pangsa pasarbesar/ukuran besar dan permodalan kuat membuat bank dapat bersaing terkaitrencana integrasi sektor perbankan ASEAN. Hal tersebut dapat dilakukan denganmarger dan akuisisi, khususnya untuk Indonesia.;This study is aimed for analyzing the influence of banking market structure onbank profitability and stability related to ASEAN banking sector integrationplan which is in line with blue print of ASEAN Economic Community (AEC).In measuring banking market structure, the research utilized reference of bankmarket share {Relative Market Power (RMP) Hypotesis}and banking marketconcentration {Structure Conduct Performance (SCP) Hypotesis}. This researchalso utilized other references of commercial banks in which listed in stockexchange of ASEAN 4 countries: Indonesia, Malaysia, Thailand, and Filiphinefor 2009 ? 2014 period. One of the research findings has shown that RMPHypotesis takes part in influencing bank profitability in ASEAN banks, but itdoes not work in Thailand and Filiphine. In case of Indonesia, SCP Hypothesisdominantly takes part in creating bank profitability. In case of Malaysia, on theother hand, Efficiency Hypothesis confirms market share, market concentration,and bank profitability. The research has also found out that banking marketconcentration contributes negative impact on bank stability in ASEAN banks,Thailand and Filiphine. This matter supports Concentration Fragility. On thecontrary, in case of Indonesia and Malaysia: banking market concentrationleads to more instability within the banks. The condition, therefore, supportsConcentration Stability. The important finding of this research is that highmarket share/bigger bank and strong capital leads to banks in order to win thecompetition in regard with ASEAN banking integration sector plan. Thisachievement can be reached by policy of merge and acquisition, especially forIndonesia banks.;This study is aimed for analyzing the influence of banking market structure onbank profitability and stability related to ASEAN banking sector integrationplan which is in line with blue print of ASEAN Economic Community (AEC).In measuring banking market structure, the research utilized reference of bankmarket share {Relative Market Power (RMP) Hypotesis}and banking marketconcentration {Structure Conduct Performance (SCP) Hypotesis}. This researchalso utilized other references of commercial banks in which listed in stockexchange of ASEAN 4 countries: Indonesia, Malaysia, Thailand, and Filiphinefor 2009 ? 2014 period. One of the research findings has shown that RMPHypotesis takes part in influencing bank profitability in ASEAN banks, but itdoes not work in Thailand and Filiphine. In case of Indonesia, SCP Hypothesisdominantly takes part in creating bank profitability. In case of Malaysia, on theother hand, Efficiency Hypothesis confirms market share, market concentration,and bank profitability. The research has also found out that banking marketconcentration contributes negative impact on bank stability in ASEAN banks,Thailand and Filiphine. This matter supports Concentration Fragility. On thecontrary, in case of Indonesia and Malaysia: banking market concentrationleads to more instability within the banks. The condition, therefore, supportsConcentration Stability. The important finding of this research is that highmarket share/bigger bank and strong capital leads to banks in order to win thecompetition in regard with ASEAN banking integration sector plan. Thisachievement can be reached by policy of merge and acquisition, especially forIndonesia banks., This study is aimed for analyzing the influence of banking market structure onbank profitability and stability related to ASEAN banking sector integrationplan which is in line with blue print of ASEAN Economic Community (AEC).In measuring banking market structure, the research utilized reference of bankmarket share {Relative Market Power (RMP) Hypotesis}and banking marketconcentration {Structure Conduct Performance (SCP) Hypotesis}. This researchalso utilized other references of commercial banks in which listed in stockexchange of ASEAN 4 countries: Indonesia, Malaysia, Thailand, and Filiphinefor 2009 – 2014 period. One of the research findings has shown that RMPHypotesis takes part in influencing bank profitability in ASEAN banks, but itdoes not work in Thailand and Filiphine. In case of Indonesia, SCP Hypothesisdominantly takes part in creating bank profitability. In case of Malaysia, on theother hand, Efficiency Hypothesis confirms market share, market concentration,and bank profitability. The research has also found out that banking marketconcentration contributes negative impact on bank stability in ASEAN banks,Thailand and Filiphine. This matter supports Concentration Fragility. On thecontrary, in case of Indonesia and Malaysia: banking market concentrationleads to more instability within the banks. The condition, therefore, supportsConcentration Stability. The important finding of this research is that highmarket share/bigger bank and strong capital leads to banks in order to win thecompetition in regard with ASEAN banking integration sector plan. Thisachievement can be reached by policy of merge and acquisition, especially forIndonesia banks.]"

"Penelitian ini bertujuan untuk mengetahui pengaruh struktur pasar terhadap profitabilitas dan stabilitas bank di ASEAN-5 dengan menggunakan sampel 86 bank yang terdaftar di bursa efek negara ASEAN-5 pada tahun 2014-2020 dan diolah dengan regresi two-step system Generalized Method of Moment (GMM). Penelitian ini menyelidiki relevansi hipotesis structure-conduct-performance (SCP), efficient-structure (ES), dan quiet life (QLH) dalam kasus perbankan ASEAN-5 dan hasil empiris menemukan hanya efisiensi biaya bank yang mempengaruhi profitabilitas bank sehingga mendukung hipotesis efficient-structure. Selain itu, variabel kontrol ditemukan signifikan dalam mempengaruhi profitabilitas bank. Lebih lanjut, penelitian ini juga menguji relevansi hipotesis concentration-stability dan concentration-fragility dalam kasus perbankan ASEAN-5 namun hasil empiris menunjukkan variabel konsentrasi ditemukan tidak signifikan dalam mempengaruhi stabilitas bank.

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This study aims to determine the effect of market structure on profitability and stability banks in ASEAN-5 using the sample of 86 banks listed on the ASEAN-5 countries’ stock exchange in 2014-2020 and processed with two-step system Generalized Method of Moment (GMM). This study investigates the relevance of the structure-conduct-performance (SCP), efficiency- structure (ES), and quiet life (QLH) hypotheses in the case of ASEAN-5 banking and the empirical results found only bank cost efficiency affects bank profitability thus support the efficient-structure hypothesis. In addition, the control variable was found to be significant in influencing bank profitability. Furthermore, this study also examines the relevance of concentration-stability and concentration-fragility hypothesis in the case of ASEAN-5 banking. The empirical results show concentration variable did not affect bank stability."

"Penelitian ini bertujuan untuk mengetahui pengaruh dari struktur pasar terhadap stabilitas perbankan syariah dan konvensional di Indonesia periode tahun 2011 hingga 2015. Penelitian ini menggunakan metode pengukuran Z-Score untuk mengukur tingkat stabilitas perbankan baik pada bank syariah maupun konvensional. Selanjutnya, digunakan metode panel untuk mengetahui pengaruh persaingan dalam struktur pasar terhadap stabilitas perbankan. Hasil penelitian menemukan bahwa tingkat persaingan industri perbankan yang tinggi dapat meningkatkan stabilitas bank syariah maupun bank konvensional di Indonesia. Temuan ini menunjukkan bahwa industri perbankan di Indonesia cenderung mendukung competition-stability hypothesis.

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This research aims to determine the impact of market structure on the stability of Islamic and conventional bank in Indonesia during 2011 ndash 2015. This research uses Z Score to obtain the level of stability of both Islamic and conventional bank. Furthermore, panel method is used to determine the impact of competition within market structure towards banking stability. This research found that more competitive banking system can boost its stability for both Islamic and conventional bank in Indonesia. This result indicates that banking system in Indonesia supports the competition stability hypothesis."

"Pertumbuhan bank syariah selama sepuluh tahun terakhir cukup baik, namun dalam beberapa tahun belakang performa dan risiko bank syariah relatif dibawah perbankan konvensional. Salah satu cara bagi bank meningkatkan performa sekaligus menurunkan risiko adalah dengan diversifikasi produk.Penelitian ini bertujuan untuk mengetahui dampak struktur pendapatan (pendapatan non-pembiayaan dan pendapatan pembiayaan) terhadap profitabilitas dan risiko perbankan syariah di Indonesia. Menggunakan 10 bank umum syariah dan 18 unit usaha syariah dengan periode selama Q2 2014-Q3 2019 yang dianalisis dengan regresi data panel. Hasil penelitian menunjukkan pendapatan non-pembiayaan menurunkan risiko bagi BUS tapi tidak bagi UUS, sedangkan untuk performa tidak menunjukkan dampak bagi keduanya. Struktur pendapatan berbasis kontrak piutang meningkatkan risiko dan pendapatan bagi hasil menurunkan risiko bagi BUS, sedangkan profitabilitas tidak berpengaruh. Struktur pendapatan kontrak bagi UUS tidak menunjukkan pengaruh untuk risiko akan tetapi pendapatan piutang berpengaruh positif terhadap profitabilitas dan pendapatan bagi hasil berpengaruh negatif.

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Growth of Islamic banks for the past ten years are good, but in the recent years the performance and risk of Islamic banks is relatively below from the conventional banks. One of the strategy for banks to improve performance while reducing risk is by product diversification.

This study aims to determine the effect of income structures towards profitability and risk of Islamic banking in Indonesia. Observing 10 sharia commercial banks and 18 sharia business units within Q2 2014-Q3 2019, analyzed using panel regression.

The results showed non-financing income for sharia commercial bank decrease risk but not for sharia business unit, while the effect in performance not statistically significant. The other income structure diversification based on contract shows that debt-based increase risk and equity-based decrease risk for sharia commercial bank, in the other hand profitability is not affected. Income structure based on contract for sharia business units indicate effect of debt-based income increase profitability while equity based decrease it. And do not show significant for risk."

"ABSTRAKFokus utama penelitian ini adalah untuk mengetahui perbandingan bank syariah dan bank konvensional di Indonesia pada model bisnis, efisiensi, stabillitas, dan profitabilitas. Model bisnis diukur dengan menggunakan analisa uji Mann-Whitney melalui 3 tiga indikator, yaitu Fee Based Income Ratio, Non Deposit Funding Ratio, dan Loans Deposit Ratio. Efisiensi diukur dengan menggunakan analisa uji Mann-Whitney melalui 2 dua indikator, yaitu Operating Cost Ratio dan Cost Income Ratio. Stabilitas diukur dengan menggunakan analisa uji Mann-Whitney melalui indikator Z-Score. Dan profitabilitas diukur dengan menggunakan analisa uji Mann-Whitney melalui 2 dua indikator, yaitu return on asset ROA dan return on equity ROE , serta analisa regresi data panel dengan metode pengolahan fixed effect melalui 1 satu indikator, yaitu pengaruh tingkat persaingan terhadap profitabilitas, yang diukur masing-masing menggunakan ROA dan ROE, dimana tingkat persaingan diukur dengan menggunakan lerner index.Dengan menggunakan data pada 69 bank konvensional dan 10 bank syariah di Indonesia selama periode kuartal ketiga tahun 2010 s.d. kuartal kedua tahun 2014, hasil penelitian menunjukkan bahwa pertama, model bisnis bank syariah dan bank konvensional berbeda, dimana bank konvensional lebih baik daripada bank syariah. Kedua, efisiensi bank syariah dan bank konvensional berbeda, dimana bank syariah lebih baik daripada bank konvensional. Ketiga, stabilitas berbeda, dimana bank konvensional lebih stabil daripada bank syariah. Dan keempat, profitabilitas berbeda, dimana dengan menggunakan analisa uji Mann-Whitney ditemukan bahwa bank konvensional memiliki profitabilitas yang lebih tinggi daripada bank syariah, namun dengan menggunakan pengaruh tingkat persaingan terhadap profitabilitas ditemukan bahwa tingkat persaingan berpengaruh lebih besar untuk meningkatkan profitabilitas pada bank syariah daripada bank konvensional.Kata Kunci: disparitas, model bisnis bank, efisiensi bank, stabilitas bank, profitabilitas bank, tingkat persaingan bank

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ABSTRACTThe main focus of this thesis is to study disparities between syariah banks and conventional banks in Indonesia by business model, efficiency, stability, and profitability. The business model is measured using Mann Whitney test analysis by 3 three indicator, which is fee based income ratio, non deposit funding ratio, and loans deposit ratio. The efficiency is measured using Mann Whitney test analysis by 2 two indicator, which is operating cost ratio and cost income ratio. The stability is measured using Mann Whitney test analysis by 1 one indicator, which is Z Score. And profitability is measured using Mann Whitney test analysis by 2 two indicator, which is return on asset ROA and return on equity ROE , and using panel data fixed effect method by 1 one indicator, which is the impact of competition on the profitability, which is measured by ROA and ROE, and competition is measured by lerner index.By using data 69 conventional banks and 10 syariah banks in Indonesia, started from the 3rd quarter of 2010 until the 2nd quarter of 2014, the research shows that first, business model syariah and conventional banks is different, where conventional banks is better than syariah banks. Second, efficiency syariah and conventional banks is different, where syariah bank is better than conventional bank. Third, stability syariah and conventional banks isn rsquo t different. And fourth, profitability is different, where by using Mann Whitney test analysis, the research shows that conventional banks have higher profitability than syariah banks, but by using impact of competitive condition on the profitability, the research shows that competition will have a greater effect to improve profitability in syariah banks than conventional banks.Key words disparity, bank business model, bank efficiency, bank stability, bank profitability, bank competition"

"Penelitian ini bertujuan untuk menganalisa pengaruh struktur kepemilikan terhadap tingkat risiko dan profitabilitas bank-bank di Indonesia. Terdapat dua model, model pertama menggunakan variabel independen struktur kepemilikan yang dikategorikan menjadi bank, institusi, manajer, keluarga dan perusahaan, serta variabel kontrol leverage, size, diversifikasi dan efisiensi. Sedangkan model kedua juga menggunakan variabel pada model pertama ditambahkan dengan variabel dummy listed. Penelitian ini menggunakan metode regresi cross section. Hasil dari penelitian ini menunjukan bahwa terdapat pengaruh antara struktur kepemilikan terhadap tingkat risiko dan profitabilitas baik pada Privately Held Bank maupun Publicly Held Bank, namun apabila diteliti hanya pada Publicly Held Bank,tidak ada pengaruh antara struktur kepemilikan terhadap tingkat risiko dan profitabilitasnya.

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This study aims to analyze the impact of ownership structures towards banking risk and profitability level. There are two models, the first one uses ownership structures which categorized to bank, institutions, manager, family and company, and also leverage, size, diversification and efficiency. The second uses the same variable as the first one added with listed as dummy variable. This study employs cross section regression.

The results of this study indicate that there is an impact from ownership structures towards banking risk and profitability level. whether it is publicly held or privately held bank, but if just looking at the publicly held using the second model, there's no significant impact from ownership structure towards its risk and profitability level."

"Dalam sistem perbankan syariah di Indonesia yang memiliki sifat alamiah (nature) dalam operasinya berupa basis bagi hasil (revenue-sharing), pembiayaan syirkah yang berbasis bagi hasil menjadi penting sebagai kegiatan operasional bank syariah untuk memaksimalkan keuntungan (profit). Penelitian ini bertujuan untuk mengetahui pengaruh pembiayaan syirkah terhadap profitabilitas perbankan syariah di Indonesia. Pengaruh kinerja pembiayaan syirkah dapat diestimasi melalui pendekatan stokastik (Stokastic Frontier Approach) berupa analisis model regresi linear (Ordinary Least Squares), model regresi efek tetap (Fixed Effect) dan model regresi efek random (Random Effect). Hasil penelitian menunjukkan bahwa tingkat pembiayaan syrikah secara statistik signifikan berpengaruh negatif terhadap tiga indikator profitabilitas perbankan syariah di Indonesia, yakni Return on Asset (ROA), Return on Equity (ROE) dan rasio keuntungan berbanding total pembiayaan (Return to Financing Ratio).

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In the Indonesia?s Islamic banking system that has the natural operations in the revenuesharing basis, syirkah financing that based on revenue-sharing basis to be important as the operations of Islamic banks to maximize profits. This study aimed to determine the effect of syirkah financing on profitability of Islamic banking in Indonesia. Influence of syirkah financing performance can be estimated by a Stokastic Frontier Approach in the form of a linear regression model analysis (Ordinary Least Squares), Fixed Effects regression model and Random Effects regression model. The results showed that the level of syirkah financing statistically significant has negative effect on the three indicators of profitability of Islamic banking in Indonesia, namely Return on Assets (ROA), Return on Equity (ROE) and profit ratio towards total financing (Return to Financing Ratio)."

"ABSTRAKSkipsi ini membahas bagaimana pengaruh antara pertumbuhan kredit, profitabilitas dan stabilitas bank pada Bank umum di Indonesia dengan periode penelitian 2011-2015. Terdapat faktor kontrol yang diikutsertakan dalam penelitian, yaitu faktor spesifik bank, faktor industri dan faktor makroekonomi. Dari hasil penelitian didapatkan bahwa pertumbuhan kredit dan stabilitas bank tidak memiliki pengaruh yang signifikan terhadap profitabilitas bank. Namun bank dengan profit yang tinggi dan pertumbuhan kredit yang rendah cenderung lebih stabil. Terkait pertumbuhan kredit, bank yang memiliki stabilitas yang tinggi memiliki kemampuan yang lebih untuk penyaluran kredit.

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ABSTRACTThis paper investigates the relationship between credit growth, profitability, and bank stability of listed public banks in Indonesia over the period 2011 to 2015. Following the literature there are factor controls included in this paper, bank specific, industry and macroeconomic indicators. The results show credit growth and bank stability did not seem to affect bank profitability. However bank with higher level of profit and lower level of credit growth becomes more stable. The results also show there is significant impact of banking stability to credit growth."

"Penelitian ini dilakukan untuk menjawab dua pertanyaan. Pertama, apakah ukuran memiliki pengaruh terhadap tingkat stabilitas bank. Kemudian, apakah struktur pendanaan memililiki mampu menjelaskan tingkat stabilitas dari sebuah bank. Penelitian ini menggunakan data panel unbalanced dari bank-bank konvensional di Indonesia. Data sampel sendiri terdiri dari 4 bank milik negara, 27 bank pembangunan daerah, 68 bank swasta, dan 8 bank asing yang beroperasi selama tahun 2012 hingga 2020. Penelitian ini menghasilkan informasi bahwa ukuran memiliki pengaruh yang negatif kepada tingkat stabilitas bank, dimana semakin besar ukuran bank maka tingkat stabilitas bank akan menurun. Selanjutnya, struktur pendanaan sendiri memiliki hubungan yang positif dengan tingkat stabilitas bank. Hal ini menunjukkan bahwa semakin besar fokus sebuah bank terhadap pendapatan yang bersifat non-bunga, maka semakin tinggi tingkat stabilitas dari bank. Tidak hanya itu, penelitian ini juga turun mengikutsertakan beberapa variabel spesifik perusahaan seperti risiko kredit, rasio likuiditas, profitabilitas dan variabel makroekonomi seperti financial development, produk domestik bruto, dan inflasi untuk memperkuat temuan pada penelitian ini.

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The goal of this study was to confirm whether the size and funding structure has a significant impact towards the stability of a bank. This study adopts unbalanced panel data from Indonesian banks from 2012 to 2020. Therefore, to achieve maximum conclusion for this study, the sample data includes 4 state-owned banks, 27 regional development banks, 68 private banks, and 8 international banks which has branch in Indonesia. The findings of this study show that bank size has a negative impact on bank stability, with the larger the bank, the lower the level of bank stability. This negative impact has significant implications for the current debate over whether bank size should be limited in order to protect the financial system from future crises. Furthermore, the funding structure has a positive impact with the stability of the bank. This demonstrates that the more a bank focus on their non-interest income, the higher the bank's level of stability. Not only that, but this study also covers various company-specific variables such as credit risk, liquidity ratios, and profitability, as well as macroeconomic variables like financial development, GDP, and inflation, to strengthen the findings of this study."