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Abstrak :
Penelitian ini pertama-tama bertujuan untuk menganalisis tingkat persaingan industri perbankan konvensional di Indonesia dengan menggunakan model Panzar-Rosse (1987) dan pendekatan multi produk yang dikembangkan oleh Barbosa, et. al. (2015). Kedua, analisis perubahan tingkat persaingan industri perbankan konvensional di Indonesia dengan mempertimbangkan faktor economies of scope. Penelitian ini menggunakan data sampel 30 bank konvensional di Indonesia pada periode tahun 2005-2014. Indeks H-statistik akan digunakan sebagai indikator tingkat persaingan. Hasil penelitian menunjukkan bahwa tingkat persaingan industri perbankan konvensional di Indonesia bersifat monopolistik. Kemudian dengan mempertimbangkan faktor economies of scope, tingkat persaingan industri perbankan konvensional di Indonesia tetap bersifat monopolistik namun mengalami perubahan dan semakin mendekati tingkat persaingan sempurna. Pengukuran tingkat persaingan industri perbankan dengan mempertimbangkan faktor economies of scope dapat dianggap lebih valid dan tidak mis-leading karena dalam industri perbankan tidak hanya ada bank-bank yang menjual produk klasik saja namun juga bank-bank yang menjual multi produk. ......Firstly, this research has a purpose to analyze the degree of competition on conventional banking industry in Indonesia by using a Panzar-Rosse Model (1987) and the method of multi-product which was developed by Barbosa, et. al. (2015). Secondly, to analyze the degree of conventional banking competition in Indonesia by adding economies of scope. This research uses sampel data of 30 conventional banks in Indonesia at period of 2005-2014. H-Statistic Index will be used as the indicator of the degree of competition. The results show that the degree of conventional banking competition in Indonesia is categorised as monopolistic competition. Then by adding economies of scope, the degree of conventional banking competition is still monopolystic however it has changed and closer to the degree of perfect competition. Measuring the degree of competition on banking industry by adding economies of scope can be considered more valid and not misleading. Since in the banking industry, there are not only banks which sell classic products but also banks which sell multi products.

Abstrak :
Penelitian ini bertujuan untuk mengetahui adanya inverted-U relationship kompetisi pada inovasi perbankan Indonesia periode 2001-2011. Konsep hubungan ini dilandasi dari adanya Schumpterian effect dan escape competition effect. Parameter inovasi yang diukur tidak spesifik pada satu produk inovasi melainkan secara keseluruhan dengan menggunakan konsep technology gap ratio. Perhitungan ini mengukur efisiensi teknis dari technology set yang telah digunakan perusahaan dengan potensi ketersediaan teknologi yang ada. Untuk perhitungan kemampuan berkompetisi dihitung dengan price cost margin pada level perusahaan. Dari hasil penelitian menunjukkan adanya peningkatan nilai technology gap ratio dan penurunan tingkat kompetisi yang harus dihadapi pasca Arsitektur Perbankan Indonesia. Selain itu, penelitian ini juga membuktikan adanya inverted-U relationship kemampuan berkompetisi pada inovasi perbankan Indonesia.

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The purpose of this study is to examine inverted-U relationship between competition and innovation of Indonesia banking industry in 2001-2011 timeframe. This concept is based on Schumpterian effect and Escape competition effect. The measurement of innovation parameters in this study uses the concept of technology gap ratio to understand overall effects of innovation on efficiency rather than the effect of individual innovation product. From the computation, the technical efficiency of currently deployed technological set in a company compared to the currently available technology potential set given their combination of outputs and input prices. The degree of competition is estimated on firm-specific level. In addition, this study also takes account of the effects of Indonesian Banking Architecture. The study found out that there is increasing value of technology gap ratio and decreasing of degree of competition after the implementation of Indonesia Banking Architecture. The inverted-U relationship between competition and innovation on banking in Indonesia has been proven by this study.