Perilaku Deposan Perbankan Syarian di Indonesia: Analisis Terhadap Displaced Commercial Risk dan Market Discipline
Abstract
Displaced Commercial Risk (DCR) merupakan risiko yang dihadapi oleh bank syariah sebagai konsekuensi diterapkanya dual banking system di Indonesia. Bank syariah dituntut untuk memberikan imbal hasil yang kompetitif untuk mempertahankan deposan. Kondisi kesehatan bank yang meliputi Capital, Asset quality, Management, Earning, dan Liquidity (CAMEL) juga menjadi indikator kekuatan Market Disicipline bagi pertumbuhan deposito bank syariah. Penelitian ini bertujuan untuk menganalisis keberadaan DCR dan Market Discipline pada bank umum syariah di Indonesia periode Oktober 2014 hingga Desember 2018. Hasil penelitian dengan menggunakan metode Auto Regresive Distributed Lag (ARDL) menunjukkan keberadaan DCR pada bank umum syariah. Namun demikian hasil lainya menunjukkan lemahnya Market Discipline, dimana deposan hanya melihat kondisi likuiditas dan kualitas aset sebagai indikator dalam menempatan dananya.
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DOI: http://dx.doi.org/10.31332/lifalah.v4i2.1537
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