期刊名称：Indonesian Journal of Business and Entrepreneurship
印刷版ISSN：2407-5434
电子版ISSN：2407-7321
出版年度：2018
卷号：4
期号：2
页码：141-150
DOI：10.17358/ijbe.4.2.141
语种：English
出版社：Bogor Agricultural University
摘要：Sharia banking has been arising for 26 years in Indonesia.Its market share is still lower than 5%.Study about sharia banking’s market share is always an interesting observation.Mudharabah savings as one of the third party fund has a significant role to improve market share by low cost fund type.The objectives of this study are to analyze mudharabah savings elasticity,significant independent factor to it and initial market share improvement strategies.The methods used to combine vector error correction model (VECM) and business model canvas (BMC).This research concludes that conventional bank rates and sharia bank outlets have a relationship with mudharabah contract savings demand.Furthermore,mudharabah savings has a substitute relationship with conventional saving by negative cross elasticity.The results are combined with business model canvas (BMC) to describe mudharabah saving business model as a managerial action to explain initial strategies of mudharabah saving.BMC arranged by choosing conventional bank rates as value proposition focus and sharia bank outlets as key resources focus.
其他摘要：Perbankan syariah telah hadir di Indonesia selama 26 tahun.Namun pangsa pasar bank syariah masih dibawah 5%.Penelitian mengenai pangsa pasar perbankan syariah selalu menjadi penelitian yang menarik.Tabungan mudharabah merupakan salah satu dana pihak ketiga murah yang dapat meningkatkan pangsa pasar.Tujuan penelitian ini untuk menganalisa elastisitas permintaan dan faktor independen yang berpengaruh signifikan terhadap permintaan tabungan mudharabah serta menentukan strategi awal peningkatan pangsa pasar bank syariah.Metode yang digunakan adalah vector error correction model (VECM) and business model canvas (BMC).Penelitian ini menyimpulkan bahwa suku bunga tabungan konvensional dan jaringan bank syariah memiliki pengaruh terhadap permintaan tabungan mudharabah.Hubungan tabungan konvensional dengan tabungan mudharabah bersifat substitusi.Implikasi manajerial penelitian disajikan berdasarkan hasil penelitian dan analisa BMC sebagai inisiasi awal strategi tabungan mudharabah.BMC disusun melalui pemilihan variabel suku bunga bank konvensional sebagai fokus blok value proposition dan jaringan bank syariah sebagai fokus blok key resources.
关键词：demand elasticity;mudharabah savings;business model canvas (BMC);sharia banking;initial strategies
其他关键词：elastisitas permintaan;tabungan mudharabah;business model canvas (BMC);bank syariah;strategi awal
