Mohammad Nur, Rianto Al Arif, Dwi Nur’aini Ihsan, Zulpawati
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DOES CONVERSION INCREASE DEPOSIT FUNDS IN ISLAMIC BANKS IN INDONESIA? THE CASE OF BANK OF ACEH AND BANK OF NTB
This study examines the effect of the conversion strategy on deposit funds in converted banks. One of the concerns when converting to an Islamic bank is the transfer of customers to conventional banks. This condition underlies this research to be conducted. Using panel regression analysis, this study found a positive difference in the number of deposited funds after the conversion. This fact shows that the concern about transferring customers after the conversion has not been proven. There was an increase in deposit funds after the conversion strategy was carried out at the two converted banks. This finding has implications that the conversion strategy can be carried out at regional banks that have a small size and are supported by the local government and the people in the area. The findings of this study contribute significantly to the development of the Islamic banking industry in Indonesia that conversion to Islamic banking is an alternative corporate strategy besides spin-offs and mergers.
期刊介绍:
International Journal of Business and Society (IJBS) is an international scholarly journal devoted in publishing high-quality papers using multidisciplinary approaches with a strong emphasis on business, economics and finance. It is a triannual journal published in April, August and December and all articles submitted are in English. Our uniqueness focus on the impact of ever-changing world towards the society based on our niche area of research. IJBS follows a double-blind peer-review process, whereby authors do not know reviewers and vice versa. The journal intends to serve as an outlet with strong theoretical and empirical research and the papers submitted to IJBS should not have been published or be under consideration for publication elsewhere.