Prasetyo, Tri Joko and Marselina, Marselina (2020) The Effect of Information Asymmetry on Financing Market Structure of Syariah Bank in Indonesia. Talent Development & Excellence, Vol.12 (No.1s,). pp. 149-158. ISSN ISSN 1869-0459 (print)/ ISSN 1869-2885 (online)

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Abstract

Theoriticallly syariahbanking have advantages (1) syariah govern every aspect of Muslim’s religious practices every live and economic activities; (2) main oriented of syariah banking is improving social welfare. Syariah banks has grown rapidly of size and the number of new player. In Practice advantagesnot yet contribute in market share of islamic bankingin Indonesia,market share of syariah banking just only ± 5 % since 1992 until now. Information asymmetry is ones of the problem in syariah banks. Interest is tool of screening information asymmetry and profit and loss sharing have fundamental problem information asymmetry. The aim of this study is to evaluate the effect of information asymmetry on financing market structure of Syariah bank in Indonesia. Result of this research were (1)margin of syariah bank were higher than interest (2) There is gap theory and practices, syariah banking is not very different from conventional banking,profit-loss sharing (mudarabah and musyarakah) in financing are little proportion (< 35%);(3)Consummer financing is main market segment of syariah banking (>42%) and the trending to growth (4) Financing in business sector (working capitas) is trending downward trend.That is diffenrent from conventional bank that loan of business sector is rapidly growth and main segment (consummer loan is ± 20%). Syariah bank has to look for solution to design new model of business financing that more competitive and syar’i so the market segment and loyalty of customer will be growth. Key words; information asymmetry, margin, working capital, comsumer loan.

Item Type: Article
Subjects: H Social Sciences > H Social Sciences (General)
H Social Sciences > HG Finance
H Social Sciences > HJ Public Finance
Divisions: Fakultas Ekonomi dan Bisnis (FEB) > Prodi Akuntansi
Depositing User: Tri Joko Prasetyo
Date Deposited: 22 May 2020 03:23
Last Modified: 22 May 2020 03:23
URI: http://repository.lppm.unila.ac.id/id/eprint/20340

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