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All Journal Jurnal Konseling dan Pendidikan Inclusive Society and Sustainability Studies (ISSUES) International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH)
Yoghi Citra Pratama
Universitas Islam Negeri Syarif Hidayatullah Jakarta
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Banking Efficiency under an Oligopoly Structure: Evidence from Indonesia’s Islamic and Conventional Banks Yoghi Citra Pratama; Ade Ananto Terminanto
International Journal of Management, Entrepreneurship, Social Science and Humanities Vol. 9 No. 2 (2026): January - June Volume
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijmesh.v10i1.3732

Abstract

This study investigates the relationship between market structure and banking performance in Indonesia, with a particular focus on the comparative efficiency of Islamic and conventional banks. Using concentration ratio (CR) analysis and Data Envelopment Analysis (DEA), the research evaluates efficiency levels across 51 conventional banks and 14 Islamic banks during the period 2015–2021. The findings indicate that the Indonesian banking industry operates under an oligopolistic structure, dominated by a small number of large state-owned and private conventional banks. While Islamic banks demonstrated relatively higher overall and scale efficiency, conventional banks outperformed in terms of technical efficiency. Nevertheless, the differences in efficiency between Islamic and conventional banks were found to be statistically insignificant. These results suggest that although Islamic banking in Indonesia has made progress, it still faces structural and operational challenges in competing with its conventional counterparts. The study contributes to the literature on banking efficiency by integrating market concentration measures with non-parametric efficiency analysis in a dual banking system context. The findings provide important implications for policymakers and regulators in designing strategies to enhance competitiveness, improve efficiency, and foster the sustainable growth of Islamic banking within an oligopolistic market structure.
Waqf and the sustainable development goals: examining the pathways of governance and resource utilization in Indonesia Ade Sofyan Mulazid; Yoghi Citra Pratama; M. Arskal Salim GP; Wahdi Sayuti; Yessi Fitri; Muhaimin Muhaimin; M. Syukri
Jurnal Konseling dan Pendidikan Vol. 14 No. 1 (2026): JKP
Publisher : Indonesian Institute for Counseling, Education and Therapy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/1206300

Abstract

Waqf is an important instrument in Islamic social finance with significant potential to support the achievement of the Sustainable Development Goals (SDGs), particularly in developing countries such as Indonesia. However, the contribution of waqf to sustainable development largely depends on the quality of governance and the effective utilization of waqf assets. This study aims to examine the influence of waqf governance and waqf utilization on the achievement of the SDGs in Indonesia, as well as to analyze their mediating role in the relationship between waqf resources and sustainable development outcomes. This research adopts a quantitative approach using Partial Least Squares Structural Equation Modeling (PLS-SEM). Data were collected from waqf management institutions and relevant stakeholders in Indonesia. The results indicate that waqf governance has a positive effect on SDG achievement (β = 0.2644), while waqf utilization shows a stronger positive influence (β = 0.4958). Furthermore, waqf resources positively affect both governance and utilization. These findings highlight the importance of strengthening governance practices and optimizing the utilization of waqf assets to enhance the contribution of Islamic social finance to sustainable development.
Assessing the Advancement of the Social and Environmental Aspects of Islamic Banking Development in Indonesia Yoghi Citra Pratama; Naila Nazhirah
Inclusive Society and Sustainability Studies Vol. 5 No. 1 (2025): August Volume
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/issues.v5i1.3150

Abstract

Islamic banking is fundamentally rooted in Islamic values and guided by Maqasid Shariah (Shariah objectives), which emphasizes goals applicable to both social and commercial activities. This framework reflects the dual objectives that Islamic banks strive to achieve, as stipulated in Islamic Banking Law No. 21 of 2008. Furthermore, this social objective is in line with the international Sustainable Development Goals (SDGs). This research explores the progress of Islamic banks in Indonesia in relation to their contributions to social and environmental aspects. It seeks to analyse the impact of Islamic banking practices on social welfare and sustainable development within the Indonesian context. To support this analysis, stakeholder theory is adopted in conjunction with the Reactive, Defensive, Accommodative, and Proactive (RDAP) scale. The RDAP scale functions as a comprehensive instrument for assessing the social performance of Islamic banking through content analysis, relying on the annual reports of 12 Islamic banks to evaluate their social contributions. The findings indicate that Islamic banks consistently associated with high social outcomes are typically not affiliated with conventional banks or characterised by large capital, such as BSI Bank Aceh Syariah and Bank NTB Syariah. This insight implies the need for regulators to provide incentives aimed at enhancing the social outcomes of Islamic banks.
Co-Authors Ade Ananto Terminanto Ade Sofyan Mulazid M. Arskal Salim GP M. Syukri Muhaimin Muhaimin Naila Nazhirah Wahdi Sayuti Yessi Fitri