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All Journal Jurnal Ilmiah Mahasiswa FEB Journal of Innovation in Business and Economics
Kusumaningrum, Husniyah Ayu
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Economics, Econometrics & Finance Education

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Analysis of banking competition in Indonesia and its impact on profitability: Structure conduct performance (SCP) approach Santoso, Dwi Budi; Suprapto, Eddy; Zakaria, Rinny Apriliany; Kusumaningrum, Husniyah Ayu; Jamil, Hidsal
Journal of Innovation in Business and Economics Vol. 7 No. 01 (2023): Journal of Innovation in Business and Economics
Publisher : Faculty of Economics and Business, University of Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jibe.v7i01.27156

Abstract

In the past decade, the profits obtained by banks in Indonesia have generally tended to increase, except during the pandemic. However, the number of banking business actors in Indonesia has continued to decline, indicating that the banking structure is becoming more concentrated and potentially leading to an oligopoly. Therefore, the purpose of this study is to determine whether the increasingly concentrated banking market structure or weak competition has a significant impact on the growing profitability of banks in Indonesia. If this hypothesis is proven true, it would suggest that banking, as a financial intermediary, contributes to higher costs for economic development, particularly within financial markets. In this study, the Lerner index is employed to measure the level of concentration or competition among banks. Subsequently, the Treatment Effect Model is utilized to estimate the extent of the impact of competition levels on profitability within the banking sector. The findings of the study reveal two key points. Firstly, the reduction in the number of banking players has been accompanied by increased competition among banks in Indonesia, particularly evident after 2016. Secondly, a higher level of concentration or reduced competition corresponds to increased opportunities for banking profitability. Consequently, there are indications that the decrease in the number of banking business actors in Indonesia is correlated with heightened competition, suggesting improved efficiency in banking management. This phenomenon could elucidate the reason why profitability in the banking sector appears to be on the rise despite a decrease in the number of banking players.
DAMPAK STRUKTUR PASAR TERHADAP PROFITABILITAS INDUSTRI PERBANKAN Kusumaningrum, Husniyah Ayu
Jurnal Ilmiah Mahasiswa FEB Vol. 9 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Penelitian ini menganalisis bagaimana dampak struktur pasar terhadap profitabilitas industri perbankan khususnya bank konvensional yang ada di Indonesia. Analisis yang digunakan dalam penelitian ini ialah analisis Treatment Effect, dengan variabel treatment meliputi variabel Risk Taking dan Skala Ekonomi Bank. Jenis data yang digunakan ialah data panel. Sedangkan sumber data dalam penelitian ini menggunakan data sekunder yang diambil dari Laporan Keuangan Tahunan Bank. Berdasarkan dari hasil penelitian ini dapat diketahui bahwa struktur perbankan yang terkonsentrasi cenderung akan mendapatkan profit yang lebih tinggi dibandingkan dengan struktur perbankan yang tidak terkonsentrasi. Hal ini dikarenakan bank yang terkonsentrasi berhasil dalam melakukan efisiensi produksi sehingga perusahaan mampu dalam memproduksi dengan biaya yang lebih rendah dibandingkan dengan harga pasar, dan menyebabkan harga yang dijual akan jauh lebih tinggi daripada biaya produksinya. Namun disisi lain, industri perbankan yang semakin terkonsentrasi akan menimbulkan kerugian bagi masyarakat, karena masyarakat akan diharuskan untuk membayar jasa keuangan yang lebih tinggi. Maka untuk mengatasi hal tersebut, perlunya pengendalian serta monitoring tingkat suku bunga bank yang bertujuan untuk menstabilkan kondisi perbankan, dan juga memperkuat regulasi loan officer serta risk assessment sebagai bentuk transparansi dari setiap regulasi perbankan.Kata kunci: Struktur Pasar, Profitabilitas, Treatment Effect, Konsentrasi, Kerugian.
Co-Authors Dwi Budi Santoso Eddy Suprapto Jamil, Hidsal Zakaria, Rinny Apriliany