The regulator had imposed some Islamic business units to do the spin-off after the enactment of the Islamic banking act (The Act No. 21 of 2008). The aim of this research is going to examine the relationship between spin-off, market structure, and deposit funds. Regression with panel data was using as a tools of analysis. The result shows that there is a difference in deposit funds between the spin-off banks and non-spin-off banks. Besides that, the result also indicates that there is a relationship between spin-off, market structure, and deposit funds in the Indonesian Islamic banking industry. The result implies that the regulator should a policy to accelerate the Indonesian Islamic banking industry.

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分拆、市场结构和存款基金：印度尼西亚伊斯兰银行业的案例

在伊斯兰银行法（2008 年第 21 号法案）颁布后，监管机构强制要求一些伊斯兰业务部门进行分拆。本研究的目的是检验分拆、市场结构和存款基金之间的关系。面板数据的回归被用作分析工具。结果表明，分立银行与非分立银行的存款资金存在差异。除此之外，结果还表明，印尼伊斯兰银行业的分拆、市场结构和存款资金之间存在关系。结果意味着监管机构应该制定政策来加速印尼伊斯兰银行业的发展。