Hasil Pencarian  ::  Simpan CSV :: Kembali

"Perkembangan sektor perbankan dunia menunjukkan bahwa pengukuran efisiensi dengan rasio keuangan dan indikator profitabilitas seperti Return on Assets (ROA) atau Return on Equity (ROE) tidak cukup untuk menunjukkan performansi bank. Saat mengukur profitabilitas, harus dianalisis juga risiko yang terkait dengan indikator profitabilitas. Menggunakan Data Envelopment Analysis (DEA) maka risiko dapat dimasukan kedalam pengukuran efisiensi dengan tetap mempertimbangkan profitabilitas. Selain itu DEA memungkinkan benchmark efisiensi pada Dual Banking Systems seperti yang diterapkan di Indonesia. DEA juga memungkinkan pengukuran efisiensi dengan multiple input dan output sehingga banyak faktor yang dapat dipertimbangkan dalam pengukuran. Dengan DEA, dilakukan pengukuran efisiensi dengan 4 model yang berbeda. Model pertama adalah NIM dengan input DEA berupa risiko likuiditas dan risiko pembiayaan dengan output berupa NIM. Model kedua adalah model ROA dengan input berupa risiko operasional dan output ROA, model ketiga adalah model ROE dengan input berupa risiko leverage dengan output ROE, model terakhir adalah model ALL dengan input semua risiko pada ketiga model dan output semua indikator profitabilitas pada ketiga model. Setelah diukur efisiensi ketiga model dilakukan uji beda Mann Whitney untuk melihat apakah terdapat perbedaan yang signifikan pada keempat model tersebut. Hasil pengukuran membuktikan bahwa antara bank syariah dan konvensional tidak terdapat perbedaan signifikan pada model NIM, terdapat perbedaan signifikan pada model ROA yang disebabkan oleh perbedaan total aset, terdapat perbedaan pada model ROE yang disebabkan oleh perbedaan total ekuitas, dan tidak terdapat perbedaan pada model ALL.

---

The development of the banking sector of the world shows that the measurement of the efficiency with financial ratios and profitability indicators such as Return on Assets (ROA) or return on equity (ROE) is not sufficient to demonstrate the performance of the bank. When measuring profitability, should be analyzed also the risks associated with indicators of profitability. Using Data Envelopment Analysis (DEA), the risk can be incorporated into the measurement of efficiency while considering profitability. In addition it allows the DEA efficiency benchmarks on Dual Banking Systems as applied in Indonesia. DEA also allows the measurement of the efficiency with multiple inputs and outputs so many factors that can be considered in the measurement. With DEA, the efficiency measured with 4 different models.

The first model is the NIM model with liquidity risk and financing risk as input and NIM as output. The second model is ROA model with operational risk as input and ROA as output, third model is ROE with risk leverage as input and ROE as output, the last model is ALL model with all the risk in three models as input and indicators of profitability in all three models as output. Having measured the efficiency of the three models, Mann Whitney test is needed to see whether there are significant differences in four models.

The measurement results prove that the Islamic banks and conventional no significant differences in NIM models, there are significant differences in ROA models caused by differences in total assets, there is a difference in ROE models caused by the difference in total equity, and there is no difference in ALL models."

"This paper empirically analyses the role of Islamic banking in financial intermediation costs as measured by net interest margins for a leading dual banking country, Malaysia. Controlling for theoretically motivated determinants of the margins, the paper compares the interest/financing margins of conventional and Islamic banks and examines the impacts of Islamic banking presence on bank margins. The analysis provides evidence of the higher margins of Islamic banks compared to those of conventional banks. Further, the difference in bank margins between the two types of banks can be attributed to differences in market power, operating costs, and diversification. Finally, Islamic banking presence or penetration, as represented by the ratio of Islamic financing to aggregate bank credit/financing and, alternatively, the share of Islamic banking assets, is robustly associated with lower bank margins, on average. These results bear important implications for the development of the Islamic banking industry and in fostering the efficient allocation of financial resources by the banking system."

"ABSTRAKTesis ini membahas implementasi dual banking leverage model di bank Regional yang merupakan salah satu model bisnis yang diterapkan di industri perbankan Syariah di Indonesia. Penelitian ini adalah penelitian kualitatif yang menggunakan metode case writing. Hasil penelitian ini memberikan lesson learned dalam implementasi DBLM tersebut, UUS bank Regional harus memiliki mekanisme kontrol yang kuat dan jelas dengan tetap menjaga pemenuhan syariah compliance. Selain itu, UUS bank Regional harus dapat lebih meyakinkan bank induk konvensional dalam menjalankan model bisnis DBLM ini dan pelaksanaan DBLM sebaiknya dilakukan review berkala. UUS Bank Regional juga harus dapat meyakinkan regulator di Indonesia bahwa model bisnis dengan cara DBLM ini mampu memberikan efisiensi yang baik bagi industri perbankan syariah, sehingga regulator tersebut dapat lebih memperkuat dasar hukum DBLM bagi UUS atau BUS. Ketentuan regulator tersebut juga diharapkan dapat memberikan relaksasi hukum untuk penerapan DBLM di Indonesia sehingga perbankan syariah dapat lebih cepat tumbuh baik untuk UUS maupun BUS.

---

ABSTRACTThis tesis topic is about implementation dual banking leverage model at Regional Bank which is one of the business model that applied on sharia banking industry at Indonesia. The research is a qualitative research that using case writing method. The result of this research are as a lesson learned on implementing DBLM, those are Sharia Business Unit (SBU) Regional Bank should has strong and clear of control mechanism with sharia compliance. In addition, SBU Regional Bank has to convince the parent at conventional bank for the implementation of DBLM and it must reviewed periodically. SBU Regional Bank should also convincing the regulator that DBLM model could produce more efficient for Islamic Banks in Indonesia, so the regulator can provide clear legal ground of DBLM for SBU and Islamic Banks. Hopefully, the regulator can also provide relaxation program or regulation for DBLM implementation that can make SBU and Islamic Banks growth better"

"Dengan regresi data panel menggunakan Two Step System Generalized Method of Moments (GMM), penelitian ini mengevaluasi variabel-variabel yang memengaruhi perbedaan Net Interest Margin (NIM) pada bank konvensional atau Net Profit and Loss Sharing Margin (NPM) pada Bank syariah di negara sistem perbankan ganda periode 2016-2022. Hasil penelitian menunjukkan bahwa NPM bank syariah dan NIM bank konvensional di Indonesia adalah tertinggi di antara negara-negara lainnya, mengindikasikan tingginya biaya intermediasi perbankan di Indonesia dan inefisiensi. NPM bank syariah di Indonesia sangat tinggi, menggambarkan kurangnya daya saing dibandingkan dengan bank konvensional. Selain itu, ketika melihat negara dengan sistem perbankan ganda, NPM bank syariah selalu lebih tinggi dibandingkan bank konvensional. Analisis faktor yang mempengaruhi NIM dan NPM mencakup variabel-variabel spesifik bank, industri, dan makroekonomi. Hasilnya menunjukkan bahwa risiko likuiditas, efisiensi, kekuatan pasar, ukuran bank, dan pembayaran bunga implisit yang termasuk kategori spesifik bank adalah faktor utama yang menyebabkan perbedaan NPM yang lebih besar pada bank syariah. Sebaliknya, variabel makroekonomi dan industri tidak terbukti menyebabkan perbedaan NPM yang lebih besar pada bank syariah dibandingkan NIM bank konvensional.

---

Using panel data regression with the Two Step System Generalized Method of Moments (GMM), this study evaluates the variables affecting the differences in Net Interest Margin (NIM) of conventional banks or Net Profit and Loss Sharing Margin (NPM) of Islamic banks in dual banking system countries for the period 2016-2022. The study results show that the NPM of Islamic banks and the NIM of conventional banks in Indonesia are the highest among other countries, indicating high banking intermediation costs and inefficiency in Indonesia. The NPM of Islamic banks in Indonesia is very high, reflecting a lack of competitiveness compared to conventional banks. Additionally, when looking at countries with dual banking systems, the NPM of Islamic banks is always higher than that of conventional banks. The analysis of factors affecting NIM and NPM includes bank- specific, industry, and macroeconomic variables. The results show that liquidity risk, efficiency, market power, bank size, and implicit interest payments, which fall into the bank-specific category, are the main factors causing greater NPM differences in Islamic banks. In contrast, macroeconomic and industry variables are not proven to cause greater NPM differences in Islamic banks compared to NIM in conventional banks."