DISPLACED COMMERCIAL RISK: STUDI EMPIRIS BANK UMUM SYARIAH DI INDONESIA

Abstract

The different instruments used in Islamic Banks and Conventional Banks have effected to occur the rate return risk to Islamic Bank because there is a change of profit sharing rate who paid to the depositor. The rate return risk is Islamic bank gets displaced commercial risk (DCR). It means the risk happened when Islamic banks did operational by sharia principle but can not a competition to pay return to depositor compare return who paid by Conventional Banks as competitioner. The purpose of this paper is to describes how displaced commercial risk (DCR) in Islamic banks in Indonesia. This paper used descriptive methods with a quantitative approach. This paper used secondary data with 10 Islamic banks in Indonesia for the period 2012-2017. The result showed that Bank Syariah Mandiri had a high ranking for DCR to 16,2569. So that, Bank Bukopin Syariah has the lowest DCR to 0,4789. The implication of this paper is the displaced commercial risk can be mitigated by apply Profit Equilization Reserve (PER).