ANALISIS STRUKTUR, PERILAKU DAN KINERJA INDUSTRI PERBANKAN INDONESIA PERIODE 2004.1 -2011.4

Rini Asih Widya Hartanti, Prof. Dr. Mudrajad Kuncoro, M.Soc.Sc.

2013 | Tesis | S2 Magister Manajemen

Dalam menganalisis hubungan antara struktur pasar, perilaku pasar dan kinerja perbankan menggunakan paradigma Structure, Conduct dan Performance (SCP). Pertama, hipotesis tradisional yang mendasarkan pada perilaku kolusi, kedua, hipotesis diferensiasi yang mendasarkan pada perilaku diferensiasi produk dan ketiga, hipotesis efisiensi yang mendasarkan pada perilaku efisiensi pasar. Tujuan penelitian ini adalah untuk menganalisis sejauh mana kinerja industri perbankan Indonesia dipengaruhi oleh struktur pasar, perilaku pasar dan variable lainnya seperti CAR dan LDR. Penelitian ini mencoba membuktikan bahwa struktur pasar perbankan Indonesia mendukung hipotesis diferensiasi, Jika hal tersebut terbukti, maka akan ada hubungan positif antara pangsa pasar industri perbankan Indonesia dengan profitabilitas. Hal tersebut mendukung dan sejalan dengan teori diferensiasi produk dan perbankan Indonesia dijalankan dengan efisien. Hasil dari analisis panel data yang dilakukan dengan sampel 111 bank umum konvensional selama periode 2004.1 sampai dengan 2011.4 menunjukkan bahwa dengan kuat menolak hipotesis tradisional dan mendukung hipotesis diferensiasi dan efisiensi.

In analyzing the relationship between market structure, market behavior and performance of banks using the paradigm of Structure, Conduct and Performance (SCP). First, the traditional hypotheses based on collusive behavior, secondly, the hypothesis that differentiation based on product differentiation behavior and third, efficiency hypothesis is based on the behavior of market efficiency. The objective of this research is to examine the extent to which erformance of the banking industry in Indonesia is affected by the market structure, market behavior and other variables such as CAR and LDR. This study tries to prove that the Indonesian banking market structure supports the hypothesis of differentiation, if it is proven, then there will be a positive relationship between the Indonesian banking industry's market share with profitability. It is supportive and in line with the theory of product differentiation and the Indonesian banking run efficiently. The Results of the analysis of panel data is conducted with a sample of 111 conventional banks during the period 2004.1 to 2011.4 indicates that strongly reject the traditional hypothesis and support the hypothesis of differentiation and efficiency.

Kata Kunci : struktur pasar, hipotesa tradisional, hipotesa diferensiasi, hipotesa efisiensi, profitabilitas, kinerja industri