KEKUATAN PASAR, EFISIENSI, FAKTOR SPESIFIK BANK DAN MAKRO EKONOMI TERHADAP PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA

Hayet, NIM.: 20300011039 (2025) KEKUATAN PASAR, EFISIENSI, FAKTOR SPESIFIK BANK DAN MAKRO EKONOMI TERHADAP PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA. Doctoral thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

Preview	Text (KEKUATAN PASAR, EFISIENSI, FAKTOR SPESIFIK BANK DAN MAKRO EKONOMI TERHADAP PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA) 20300011039_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf - Published Version Download (7MB) | Preview
	Text (KEKUATAN PASAR, EFISIENSI, FAKTOR SPESIFIK BANK DAN MAKRO EKONOMI TERHADAP PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA) 20300011039_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf - Published Version Restricted to Registered users only Download (14MB) | Request a copy

Abstract

The market competition conditions, financial integration, and economic openness encourage Islamic banking to enhance competitiveness and efficiency. Profitability is a measure to evaluate a bank's ability and performance in generating profit. This research aims to analyze the development of market power, efficiency, and financial performance of Islamic banking in Indonesia; to analyze the condition of Islamic banking in a collusive or efficient category. Then, the causal relationship between market power, efficiency, and banking profitability will be analyzed. Finally, to analyze the factors affecting the profitability of Islamic banking. This research uses panel data regression to determine whether Islamic banks are in collusive or efficient conditions and to identify the determinants of bank profitability, as well as using the panel Vector Error Correction Model to analyze the causality of market power, efficiency, and profitability in Islamic banking. The results of this study show that the market power of each bank is in a "moderate" competition, with a tight oligopoly market structure. Islamic banking has a "low" technical efficiency and a "moderate" scale efficiency. Hypothesis tests of Structure Conduct Performance, Relative Market Power, Relative Efficiency Structure, and Scale Efficiency Structure indicate that Islamic banking uses market power to increase profitability (the SCP theory applies). However, these results do not fully indicate collusion practices, because banks with the largest market shares have a low monopoly power (Lerner index). Another finding in this study shows that market power has a very strong causal relationship with bank profitability, both in the short-term and long-term compared to efficiency. Market power, efficiency, and bank-specific factors significantly affect Islamic banking profitability, while macroeconomic changes largely do not affect Return on Assets, Return on Equity, and Net Operating Margin.

Share this knowledge with your friends :

Actions (login required)

View Item