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Abstrak :
Abstract Indonesia is among the few countries that adopts dual banking system where Islamic banks run in parallel and compete with conventional banks. Although under such a system banking competition would be expected to be high, data tend to show the opposite case, as three Islamics banks acquired 65 percent of market share in Indonesia. This study, therefore, attempts to determine the degree of banking competition in Indonesia by employing the Panzar-Rosse Model for 2003-2008 period. The study also analyses the competitive behaviors of Islamic banks and compares it with those of its conventional counterparts. The estimated model suggests that monopolistic competition exists in the overall banking industry?the degree is even slightly higher for Islamic banking, where the market is characterized by aggressive competition for funding, quality human resources, and financing. Such competition occurs due to, among others, small market size, low consumer base, lack of product variations, and lack of competent human resources. These should be a major concern for all Islamics banking stakeholders for developing a better Islamic banking industry, particularly in Indonesia.

Abstrak :
Globalisasi berasal dari kata "Global", yang menurut Kamus Oxford Advanced Learner berarti "covering or affecting the whole world', sehingga secara etimologis kita bisa menginterpretasikan globalisasi sebagai sebuah proses dinamis-berkelanjutan yang mempengaruhi seluruh dunia. Lebih jauh lagi, menurut Thomas L. Friedman, proses tersebut meliputi "...the inexorable integrations of markets, nation-states and technologies to a degree never witnessed before-in a way that is enabling individuals, corporations and nationstates to reach around the world faster, deeper and cheaper than ever before. And in a way that is enabling the world to reach into individuals, corporation and nation-states farther, faster, deeper and cheaper than ever before. "(Friedman, 2000). Globalisasi, dengan free-market capitalism sebagai pendorong utamanya, mempunyai struktur kekuatan tersendiri, Pertama, globalisasi mempunyai aturan ekonominya sendiri, yang meliputi ekonomi yang lebih terbuka, deregulasi dan privatisasi ekonomi agar lebih kompetitif dan menarik bagi investasi asing. Kedua, globalisasi mempunyai dominant culturenya sendiri, yang menurut sebagian besar orang adalah gejala Amerikanisasi. Ketiga, globalisasi punya teknologinya sendiri: komputerisasi, miniaturisasi, digitization, komunikasi satelit, fiber optics dan internet, yang kekuatannya mampu menyatukan dunia. Keempat, globalisasi memiliki pola demografis yang ditandai oleh akselerasi migrasi yang sangat cepat, dalam skala nasional maupun internasional. Terakhir, globalisasi mempunyai struktur dan sistem kekuasaan/kekuatan sendiri.