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"ABSTRACTPenelitian ini menganalisis bagaimana efektifitas pengembangan UKM dengan peran Perbankan Syariah di Indonesia. Studi ini juga ingin membuktikan peran perbankan syariah untuk membantu UKM di Indonesia berdasarkan data dan penelitian. Analisis data dan metode yang digunakan dalam penelitian ini adalah metode statistik deskriptif. Statistik deskriptif akan diuraikan dengan beberapa data penjelasan dan dapat dipikirkan dengan distribusi frekuensi pada pusat data distribusi. Hasilnya menunjukkan bahwa pengembangan UKM baik menyangkut jumlah unit usaha, lapangan kerja, dan pembiayaan dari perbankan syariah menunjukkan arah positif atau meningkat secara signifikan. Selain itu, interaksi antara UKM dan perbankan syariah cukup relatif dekat dan perlu ditingkatkan. Studi ini hanya memberikan ikhtisar dan gambaran umum tentang dampak positif dari mekanisme perbankan Islam untuk merangsang UKM di Indonesia. Data dan hasil yang diberikan masih perlu didiskusikan dengan literatur yang lebih komprehensif dan studi fakta di lapangan."

"ABSTRACTThis paper empirically assesses the relation between bank performance and capital regulation for Islamic banks from 13 countries and evaluates whether the relation varies with bank size, capital, and liquidity. We find small Islamic banks to be less stable and less profitable, they also cut lending growth as capital regulation becomes more stringent. The stability and lending growth of big Islamic banks are, however, directly related to capital regulation. Further, capital regulation adversely affects the profitability of Islamic banks with low liquidity and high capital holdings. While capital regulation is needed, it should not be adopted in a blanket manner for all Islamic banks."

"ABSTRAKPenelitian ini secara empiris menguji apakah peningkatan kekuatan pasar akan mendorong penurunan efisiensi biaya perbankan Indonesia baik pada tingkat industri maupun individu. Dengan menggunakan data panel bank umum konvensional, periode tahun 2010-2017, hasil pengujian mendukung hipotesis di tingkat industri. Dengan kata lain bank di Indonesia secara umum berperilaku quiet life. Pada kelompok bank dominan, pengaruh kekuatan pasar lebih kuat dibandingkan dengan kelompok bank bukan dominan. Sementara, pada kelompok bank milik pemerintah pengaruh kekuatan pasar tidak berbeda dengan kelompok bank bukan milik pemerintah.

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ABSTRACTThis study empirically tests the negative impact of market power on cost efficiency in the Indonesian banking industry by distinguishing groups with dominant and state-owned status. Using panel data on conventional commercial bank for the period 2010-2017, the results of the study support the hypothesis. It is found that market power is more impactful towards dominant banks compared to non-dominant banks. While in between state-owned banks and non-state-owned banks, market power has the same impact towards both."

"Penelitian ini bertujuan untuk mengidentifikasi dampak konsentrasi kepemilikan bank terhadap risiko perbankan di Indonesia. Konsentrasi kepemilikan bank ditandai dengan tingginya komposisi saham yang dimiliki oleh satu pihak pemegang saham. Tingkat konsentrasi dibagi menjadi tiga level: (1) < 20%; (2) 20%-50%; (3) > 50%. Berdasarkan estimasi data panel terhadap individu bank di Indonesia, ditemukan bahwa tingginya konsentrasi kepemilikan bank akan meningkatkan risiko perbankan dan secara rata-rata bank dengan pemilik yang terkonsentrasi pada level 3 memiliki tingkat risiko paling besar diantara dua level konsentrasi lainnya. Selain itu, penelitian ini ikut mengkaji tingkat risiko jenis-jenis bank di Indonesia dimana jumlah bank dengan jenis Bank Umum Swasta Nasional yang banyak akan meningkatkan risiko perbankan.

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This study aims to identify the impacts of bank ownership concentration on banking risk in Indonesia. The ownership concentration is characterized by the high composition of shares that is held by one shareholder. The concentration is classified into three levels: < 20%; 20%-50%; > 50%. Based on panel data estimation using 115 banks from 2008-2017, it was found that higher concentration of ownership would increase the banking risk. Banks with ownership concentration on level 2 are riskier than the other levels. This study also examines the risk of specific types of Indonesia banking sector. The large number of National Private Commercial Bank tend to increase the banking risk."

"This study aims to examine the influence of Islamic corporate governance, size of the Board of Commissioners, the composition of the Board of Commissioners, Frequency of Meetings of the Board of Commissioners, the size of the Audit Committee Independent, The composition of the Audit Committee Number of Meetings Audit Committee, Profitability and Liquidity on the disclosure of corporate social responsibility (case study on the bank Sharia in Indonesia). This research is a quantitative study using scientific research in the form of positive economics. The nature and type of this research is descriptive method used is based on a survey of the literature. Data used is secondary data obtained from www.btgo.id and corporate websites. The analytical method used is multiple linear regression analysis with SPSS version 22. The population in this study are all Islamic banks registered in Bank Indonesia during the period 2012 to 2014. While the sample is determined by using purposive sampling method in order to obtain a sample of 10 banks with observations for 3 years. Based on the results of multiple regression analysis with significance level of 5%, then the results of this study concluded: (1) Islamic Corporate Governance consisting of Existence and expertise Sharia Supervisory Board has no significant effect on the disclosure of corporate social responsibility. (2) The size of the BOC significant effect on the disclosure of corporate social responsibility. (3) The composition of the Board of Commissioners has no significant effect on the disclosure of corporate social responsibility. (4) The frequency of the number of board meetings no significant effect on the disclosure of disclosure of corporate social responsibility. (5) The size independent audit committee has no significant effect on the disclosure of corporate social responsibility. (6) The composition of the independent audit committee has no significant effect on the disclosure of corpora te social responsibility. (7) The number of meetings of the audit committee has no significant effect on the disclosure of corporate social responsibility. (8) Profitability has no significant effect on the disclosure of corporate social responsibility. (9) Liquidity no significant effect on the disclosure of corporate social responsibility. (10) Islamic corporate governance, size of the Board of Commissioners, the composition of the Board of Commissioners, Frequency of Meetings of the Board of Commissioners, the size of the Audit Committee Independent, The composition of the Audit Committee Number of Meetings Audit Committee, Profitability and Liquidity on the disclosure of corporate social responsibility jointly significant effect on disclosures corporate social responsibility."

"ABSTRAKIndustri perbankan Indonesia saat ini masih dalam kondisi yang belum efisien dilihat dari tingginya tingkat suku bunga dimana salah satu penyebab utamanya diduga karena rendahnya tingkat kompetisi. Penelitian ini dilakukan untuk menganalisis tingkat kompetisi industri perbankan Indonesia selama periode 2005 ndash; 2014 dengan mengaplikasikan model baru yaitu profit elasticity model atau Boone Indicator yang mampu mengukur tingkat kompetisi berdasarkan efisiensi. Bank yang lebih efisien, yaitu bank dengan biaya marginal yang lebih kecil, akan menguasai pangsa pasar yang lebih besar atau tingkat keuntungan yang lebih tinggi dibandingkan dengan bank yang kurang efisien. Efek ini akan semakin besar manakala industri perbankannya semakin kompetitif.Hasil penelitian ini menujukkan bahwa tingkat kompetisi indutri perbankan Indonesia mengalami penurunan dari tahun ke tahun. Berdasarkan ukuran efisiensi, kelompok bank besar adalah yang paling efisien akan tetapi justru mempunyai tingkat kompetisi yang paling rendah dibandingkan dengan kelompok bank sedang dan bank kecil. Berdasarkan kepemilikan, Bank Persero dan Bank Umum Swasta Nasional BUSN adalah dua kelompok bank paling efisien dimana kelompok Bank Persero relatif lebih efisien dibandingkan kelompok BUSN. Namun demikian apabila dilihat dari hasil pengukuran tingkat kompetisinya Bank Persero justru lebih rendah dari BUSN.Pada industri perbankan Indonesia tidak terjadi transfer efisiensi dalam bentuk tingkat harga output atau suku bunga kredit yang lebih murah. Kelompok bank yang lebih efisien lebih memilih untuk menikmati tingkat keuntungan yang lebih tinggi dibandingkan dengan mentransfer sebagian keunggulan efisiensinya. Hal ini terlihat dari tingkat suku bunga kredit kelompok bank yang lebih efisien tidak berbeda secara signifikan dibandingkan kelompok bank yang kurang efisien.

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ABSTRACTIndonesian banking industry is currently in the inefficient condition viewed from the high interest rate in which one of its main causes is supposedly the low competition level. This research was conducted to analyze competition level in Indonesian banking industry during from 2005 to 2014 by applying a new model, Profit Elasticity Model or Boone Indicator. This model measures the competition level based on its efficiency. More efficient bank which has smaller marginal cost, will lead market share and profit that are higher than less efficient bank. This effect will be greater when the banking industry is more competitive.This research shows the result that the competition level in Indonesian banking industry decreases from year to year. Based on the efficiency measure, large sized bank group is the most efficient, but it actually has the lowest competition level compared with medium sized and small sized bank groups. Based on the ownership, Stated Owned Bank and National Private Commercial Bank are the most efficient bank groups in which Stated Owned Bank group is relatively more efficient than National Private Commercial Bank group. However, viewed from the result of measurement on its competition level, Stated Owned Bank is actually lower than National Private Commercial Bank.In Indonesian banking industry, there is no efficiency transfer in form of output price level or cheaper lending interest rate. More efficient bank group prefers benefiting higher profit over transferring some of its efficiency superiorities. It is shown by lending interest rate of more efficient bank group is not significantly different from the less efficient bank group."

"Rencana integrasi sektor perbankan ASEAN dengan skema ASEAN Banking Integration Framework pada tahun 2020 mengutamakan Qualified ASEAN Bank (QAB) untuk meningkatkan peran Bank yang terdapat di negara ASEAN dalam memfasilitasi kegiatan perdagangan dan investasi sesama negara ASEAN. Integrasi tersebut mengharuskan adanya peningkatan ketahanan perbankan nasional yang dilakukan dengan peningkatan efisiensi, kinerja dan permodalan melalui implementasi Good Corporate Governance (GCG). Skripsi ini ditujukan untuk membahas bagaimana Tingkat Kesehatan Bank dan GCG mempengaruhi kinerja dan permodalan perbankan, serta mengidentifikasi kesiapan dan posisi perbankan Indonesia di ASEAN dan potensi permasalahan yang akan timbul dari semakin terintegrasinya perbankan ASEAN. Dengan menggunakan metode yuridis normatif, diketahui bahwa posisi perbankan Indonesia masih tertinggal dibanding negara ASEAN-5 lainnya dalam hal implementasi GCG serta Tingkat Kesehatan Bank dan permodalannya.

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The ASEAN banking integration plan using ASEAN Banking Integration Framework scheme in year 2020?? features Qualified ASEAN Bank (QAB) in order to enhance the role of Banks situated in ASEAN countries to facilitate trade and investment among ASEAN countries. Such integration requires an increased resilience of the national banking, conducted by improving the efficiency, performance, and capital through the implementation of Good Corporate Governance (GCG). This thesis seeks to discuss how Bank Soundness and GCG affect performance and banking capital. It also aims to identify the readiness the position of Indonesian banks in ASEAN and the potential problems that would arise from a more integrated ASEAN banking sector. Using the juridicalnormative method, it is found that the position of the Indonesian banks is still lagging behind compared to other ASEAN-5 countries in terms of GCG implementation as well as Bank Soundness and capital."

"Penelitian ini bertujuan untuk menguji pengaruh implementasi kebijakan Basel II terhadap valuasi pasar industri perbankan di ASEAN-5 pada periode 2000-2015, melalui perubahan pencadangan Penyisihan Penghapusan Aktiva Produktif PPAP diskresioner dan praktik perataan laba. Penelitian ini tidak menemukan adanya pengaruh implementasi kebijakan Basel II terhadap PPAP diskresioner dan perataan laba. Ketiadaan pengaruh tersebut dapat disebabkan oleh kurangnya sampel bank yang menggunakan pendekatan IRB. Temuan dari penelitian ini adalah implementasi kebijakan Basel II yang mengurangi motif oportunis dalam PPAP diskresioner memberikan valuasi pasar yang lebih tinggi.

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This study aims to analyze the effects of Basel II implementation on market valuation of ASEAN 5 banking industry during 2000 ndash 2015, through changes in discretionary loan loss provisioning practices and income smoothing practices. This study does not find the effect of Basel II implementation on discretionary loan loss provision and income smoothing. The absence of these effects might be caused by a lack of sample using IRB approach. The findings of this study is that Basel II implementation, which reduce opportunistic motives in discretionary loan loss provision, generate higher market valuation."

"Indonesia merupakan lokasi yang menarik bagi investor asing, sehingga mendorong liberalisasi di sektor perbankan di Indonesia. ketika dominasi bank asing di Indonesia semakin menguat, ada banyak kecemasan terjadi di dalam negeri. Pertama, ada kecemasan bahwa masuknya bank milik asing dapat meningkatkan persaingan di industri perbankan domestik Indonesia. Kedua, masuknya bank asing yang dianggap terkait dengan kurangnya penyediaan kredit untuk usaha kecil dan menengah (UKM). Tulisan ini bertujuan untuk menyelidiki apakah masalah tersebut dapat dibenarkan atau tidak, dengan memanfaatkan pengalaman Indonesia dengan liberalisasi di sektor perbankan.

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Indonesia has become an interesting location for foreign investor, resulting in a fully liberalization of banking sector in Indonesia. While the domination of foreign banks in Indonesia become stronger, there has been much anxiety happening within the country. First, there is an anxiety that the entry of foreign-owned banks may increase the competition in Indonesia’s domestic banking industry. Second, foreign bank entry are thought to be associated with less provision of credit to small medium enterprises (SMEs). This paper aims to investigate whether the mentioned issues can be justified or not, by making use of Indonesian experiences with liberalization on its banking sector."