Analysis Efficiency of Sharia Commercial Banks in Indonesia
DOI:
https://doi.org/10.32628/IJSRSET218510Keywords:
Sharia Commercial Bank, Data Envelopment Analysis (DEA), Efficiency, TechnologyAbstract
Indonesia has the potential to become a leader in the development of the Islamic financial market in the world with majority population is Muslim. The Corona Virus Disease 2019 (Covid-19) pandemic has caused decrease in economic growth. However, the distribution of financing by Islamic banks in 2020 increased. With the current progress of the Islamic banking institution in Indonesia, it is necessary to estimation the efficiency level of Islamic banks and the impact of technology on the efficiency of Islamic banks. This research will analyze the efficiency from sharia commercial bank and the effect of internal factors and technology on efficiency. This research will used annual data from sharia commercial bank in 2014 to 2020. To analyze of efficiency will be used Data Envelopment Analysis (DEA) method and used Tobit method to analyze the effect of internal factors and technology on efficiency. In general, the efficiency of sharia commercial bank in Indonesia has a fluctuative tren in 2014-2020. The estimation results of tobit method is return on assets (ROA) has significantly contributing positive effects to efficiency. Meanwhile, technology has significantly contributing negative effect to efficiency.
References
- Alfatihah P, Sundari B, “Pengaruh Transaksi Perbankan Elektronik (Electronic Banking) Terhadap Kinerja Keuangan Entitas Publik Perbankan” Jurnal Ilmiah Ekonomi Bisnis, 2021
- Ascarya, Yumanita D, “Comparing the Efficiency of Islamic Banks in Malaysia and Indonesia,” Bank Indonesia: Buletin Ekonomi Moneter dan Perbankan, 2008.
- Ascarya, Yumanita D, “Analisis Efisiensi Perbankan Syariah di Indonesia dengan Data Envelopment Analysis,” TAZKIA Islamic Finance and Business, 2006.
- Farrell, “The Measurment of Productivity Efficiency” Journal of the Royal Statistical Society, 1957
- Firdaus MF, Hosen MN, “Efisiensi Bank Umum Syariah Menggunakan Pendekatan Two Stage Data Envelopment Analysis,” Bank Indonesia:Buletin Ekonomi Moneter dan Perbankan, 2013.
- Hadad MD, Santoso W, Ilyas D, Mardanugraha E, “Analisis Efisiensi Industri Perbankan Indonesia: Penggunaan Metode Non-Parametrik Data Envelopment Analysis (DEA)”, Bank Indonesia: Buletin Ekonomi Moneter dan Perbankan, 2003.
- Hadad MD, Santoso W, Ilyas D, Mardanugraha E, “Pendekatan Parametrik untuk Efisiensi Perbankan Indonesia”, Bank Indonesia: Buletin Ekonomi Moneter dan Perbankan, 2008.
- Hidayat R, “Efisiensi Perbankan Syariah: dari Teori ke Praktek,” Bekasi (ID): Gramata Publishing, 2014.
- Karimah, S, “Kajian Efisiensi Bank Umum Syariah di Indonesia dan Faktor-Faktor yang Memengaruhinya,” [thesis]. Bogor: Institut Pertanian Bogor. 2016
- Meepadung N, Tang JCS, Khang DB, “IT-based banking services: Evaluating operating and profit efficiency at bank branches,” Journal of High Technology Management Research, 2009
- Parisi SA, “Kinerja Bank Umum Syariah di Indonesia dengan Pendekatan Efisiensi dan Indeks Maq?shid Syar?’ah,” [thesis]. Bogor (ID) Institut Pertanian Bogor, 2020
- Rusydiana AS, Laila N, Sudana, “Efisiensi dan produktivitas perbankan pada sistem moneter ganda di Indonesia” Jurnal Siasat Bisnis, 2016
- Sofia GN, “Analisis Faktor Penentu Tingkat Efisiensi Perbankan di Indonesia pada Tahun 2012-2014 dengan Menggunakan Pendekatan Two Stage Data Envelopment Analysis” Jurnal Ilmu Manajemen
- Srairi SA, “Cost and profit efficiency of conventional and islamic banks in GCC counties” Springer Science and Business, 2010
Downloads
Published
Issue
Section
License
Copyright (c) IJSRSET
This work is licensed under a Creative Commons Attribution 4.0 International License.