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All Journal Ikonomika : Jurnal Ekonomi dan Bisnis Islam Journal of Finance and Islamic Banking
Zaini, Faizi
Unknown Affiliation
Religion Economics, Econometrics & Finance Social Sciences

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Market Dominance in Indonesia’s Islamic Banking: Critical Analysis From an Industrial Organisation Perspective Zaini, Faizi; Kusuma, Airlangga Surya Kusuma
Journal of Finance and Islamic Banking Vol. 7 No. 1 (2024)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v7i1.8827

Abstract

The merger of Bank Syariah Indonesia (BSI) has resulted in the formation of a substantial Islamic bank capable of effectively competing with large conventional banks. Despite this, concerns have been raised that BSI might eliminate smaller Islamic banks. This study aims to critically analyze the characteristics of market dominance in Indonesia's Islamic banking industry before and after the merger of BSI from an industrial organization perspective. We utilized several indicators, including the Concentration Ratio (CR), Herfindahl–Hirschman Index (HHI), and Melnik ratio. The findings strongly indicate market dominance in the Islamic banking industry following the BSI merger. However, we argue that the market dominance achieved by BSI fosters a positive environment by reducing fragmentation within the industry. This merger has also prompted other conventional banks to optimize their support for Islamic banks. Additionally, BSI has the potential to drive the Islamic banking industry forward. Therefore, the BSI merger represents a viable option for the government to support the development of the Islamic banking sector, while competition within the industry remains dynamic. Based on our findings, we recommend that State-Owned Banks provide further support for the development of BSI, and that other conventional banks optimize their support for Islamic banks.
The Influence of Third-Party Funds and Other Operating Income on Profits of Islamic banking: Financing as an Intervening Variable Zaini, Faizi; Vitaloka, Deffia Dea; Bin Shuib, Mohd Sollehudin
IKONOMIKA Vol 8, No 1 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v8i1.15428

Abstract

This study aims to determine the effect of third-party funds and other operating income on profits at Bank Mega Syariah with financing as an intervening variable. This research is a quantitative model using secondary data with a purposive sampling technique. The sample used is the annual report of Bank Mega Syariah for the 2012-2021 period. Data were analyzed and processed using Microsoft Excel and SPSS 25. The results found that third-party funds had a significant effect on financing. Meanwhile, other operating income has no significant effect on financing. Furthermore, third-party funds have a significant effect on net income. Other operating income and financing have no significant effect on net income. Then, financing cannot mediate the effect of third-party funds and other operating income on the net income. 
Co-Authors Bin Shuib, Mohd Sollehudin Kusuma, Airlangga Surya Kusuma Vitaloka, Deffia Dea