Bank Indonesia launched PBI No. 14/22 in 2012. It regulates about the mandatory for all commercial banks to give minimum 20% of its total credit to Micro, Small and Medium Enterprise (MSME) in 2018 at the latest. By this regulation, government expects that there will be a significant raise in credit deployment to MSME sector. The aim of this research is to find out whether there's a significant raise in credit deployment growth to MSME sector. The research methodology that is used in this research is a descriptive method. While for data analysis, this research use non parametric tool, Mann Whitney U Test, to compare between two means from two populations.
The rapid development of Islamic banking has many positive impacts, but on the other hand, the development also demands the readiness of sharia banking in meeting the soundness level standard set by the regulator. This study aimed to integrate the two methods of measurement of Islamic financial institutions, the CAMEL method and maqasidsharia method. How far the ability of CAMEL, macro and general measurement, in measuring the variables on the maqasid sharia. This research used panel data model and analyzed four regressions model which welfare model for Sharia Commercial Bank and Sharia Business Unit and affordable product model for Sharia Commercial Bank and Sharia Business Unit. This research used the quantitative descriptive method. We found that only affordable product in Sharia Business Unit can explain independent variable. Other than that, earning component in CAMEL (ROA) had a positive and significant relationship with profit sharing scheme loan. From the results of research conducted, in general, CAMEL and maqasid sharia did not have a relationship except for Sharia Business Unit. This condition can happen because of many things. Among the greater was risks and in terms of better profitability. Therefore, Sharia Commercial Bank and Sharia Business Unit, generally still run a relatively low-risk financing scheme such as murabahah.
In December 2016, there are 116 commercial banks in Indonesia. Those banks are divided into few categories. Two of them are commercial banks based on business activity (BUKU) and based on ownership. This research analyzes all commercial banks that operates between 2012 and 2016 and divide them into two categories mention before. The aim of the research is to find out efficiency score using SFA method based on those two categories. The result show that banks in BUKU 3 have the highest efficiency score, followed by BUKU 1, BUKU 4 and BUKU 2. Meanwhile, on ownership category, state owned enterprise banks have the highest score. It then followed by foreign banks, private banks, municipal banks and the last one mix ownership bank.
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