EVALUATION OF DUAL BANKING SYSTEM IN BANKING IN INDONESIA

Amanatun Nisfah Nurun Nikmah  -  UIN Raden Intan Lampung, Indonesia
Tulus Suryanto  -  UIN Raden Intan Lampung, Indonesia
Surono Surono*  -  UIN Raden Intan Lampung, Indonesia

(*) Corresponding Author
Evaluation of Dual Banking System in Indonesia. Dual Banking System is the application of two banking systems in one banking institution, namely conventional banking and Islamic banking. Indonesia can optimize the dual banking system through strength share and weakness cover, namely Islamic banks are generally superior in terms of a more stable system in the face of market changes but have deficiencies in infrastructure, whereas conventional banks have large market and capital access and more infrastructure complete, but very vulnerable to crises due to the negative factors of economic integration which are already very strong. The superiority of the dual banking system concept is seen in two separate systems that operationally do not affect each other, but have one common goal, namely financial stability that supports economic growth. So, to achieve this goal the two systems can work together in external factors such as access to capital, infrastructure, supervision or clearing systems that can help interbank liquidity.

Keywords : Dual Banking System; Conventional Banks; Islamic Banks

  1. Adewuyi, A. A., & Naim, A. M. (2016). The Nexus between Rates of Return on Deposits of Islamic Banks and Interest Rates on Deposits of Conventional Banks in a Dual Banking System: A Cross Country Study. International Journal of Economics and Financial Issues, 6, 7.
  2. Ascarya, . (2009). Akad dan Produk Bank Syariah: Konsep dan Praktek di Beberapa Negara. Jakarta: Bank Indonesia.
  3. Bank Indonesia, 2019. Stabilitas system keuangan Online diaksespada 18 Mei 2019 https://www.bi.go.id/id/perbankan/ssk/ikhtisar/pentingnya/Contents/Default.aspx
  4. Chen, N., Liang, H.-Y., & Yu, M.-T. (2018). Asset diversification and bank performance: Evidence from three Asian countries with a dual banking system. Pacific-Basin Finance Journal, 52, 40–53. https://doi.org/10.1016/j.pacfin.2018.02.007
  5. Ibrahim, M. H., Salim, K., Abojeib, M., & Yeap, L. W. (2019). Structural changes, competition and bank stability in Malaysia’s dual banking system. Economic Systems, 43(1), 111–129. https://doi.org/10.1016/j.ecosys.2018.09.001
  6. Ikhtisar Undang-undang No. 23 Tahun 1999 tentang Bank Indonesia Peraturan Pemerintah Pengganti Undang-Undang Republik Indonesia No 2 Tahun 2008 Tentang Perubahan Kedua Atas Undang-Undang Nomor 23 Tahun 1999 Tentang Bank Indonesia.
  7. Ismail, M., Manzilati, A., & Kornitasari, Y. (2015). TELAAH KRITIS KEBIJAKAN MONETER DI INDONESIA MELALUI BI RATE DALAM DUAL BANKING SYSTEM. 19(01), 10.
  8. Katadata.co.id dengan judul "Indonesia MasukDaftar 10 Negara yang Pasar Keuangan SyariahnyaTumbuhPesat" online diaksespada 19 Mei 2019, https://databoks.katadata.co.id/datapublish/2019/05/14/indonesia-masuk-daftar-10-negara-yang-pasar-keuangan-syariahnya-tumbuh-pesat
  9. Lindiawatie, L., & Muzdalifah, M. (2018). Persepsi Kelas Menengah Muslim terhadap Dual Banking System dalam Membentuk Kekuatan Merek Perbankan Syariah. Sosio e-kons, 9(3), 232. https://doi.org/10.30998/sosioekons.v9i3.2251
  10. Louati, S., & Boujelbene, Y. (2015). Banks’ stability-efficiency within dual banking system: A stochastic frontier analysis. International Journal of Islamic and Middle Eastern Finance and Management, 8(4), 472–490. https://doi.org/10.1108/IMEFM-12-2014-0121
  11. Nugroho, Lucky, et al. PENGANTAR PERBANKAN SYARIAH. Edited by Saripudin, Udin, and Elan Jaelani, Widina Bhakti Persada Bandung, 2020.
  12. Otoritas Jasa Keuangan, 2019. Perbankan Syariah. Online diakses pada19 Mei 2019 https://www.ojk.go.id/id/kanal/syariah/tentang-syariah/Pages/Perbankan-Syariah.aspx
  13. Solihin, A., I. (2010). Buku Pintar Ekonomi Syariah. Jakarta: Gramedia Pustaka Utama.
  14. Undang-Undang Republik Indonesia Nomor 10 Tahun 1998 Tentang Perubahan Atas Undang-Undang Nomor 7 Tahun 1992 Tentang Perbankan.
  15. Undang-Undang Republik Indonesia Nomor 7 Tahun 199 Tentang Perbankan Sebagaimana Telah Diubah Dengan Undang-Undang Nomor 10 Tahun 1998.
  16. Undang-Undang Republik Indonesia Nomor 21 Tahun 2008 Tentang Perbankan Syariah.
  17. Zahra, S. F., Ascarya, A., & Huda, N. (2018). Stability Measurement of Dual Banking System in Indonesia: Markov Switching Approach. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 10(1). https://doi.org/10.15408/aiq.v10i1.5867
  18. Zulkhibri, M., & Sukmana, R. (2017). Financing Channels and Monetary Policy in a Dual Banking System: Evidence from Islamic Banks in Indonesia: Islamic Financing Channels and Monetary Policy. Economic Notes, 46(1), 117–143. https://doi.org/10.1111/ecno.12076

ISLAMICONOMIC: Jurnal Ekonomi Islam
Published by Departement of Islamic Economics, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten - Indonesia
Main Building of Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten, Jenderal Sudirman Street, No. 30 Serang 421188 Banten Indonesia
Phone: +62 812-2960-4000
Website: https://journal.islamiconomic.or.id/
Email: asep.dadan@uinbanten.ac.id

ISSN: 2085-3696 (Print)
ISSN: 2541-4127 (Online)

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License

Get a feed by atom here, RRS2 here and OAI Links here

apps