EFISIENSI PERBANKAN SYARIAH DI INDONESIA

Afif Amirillah

Abstract


This research aims to find out the factors that can cause the efficiency value difference of Islamic Banking in In-donesia. The data at this research is monetary data of Islamic Banking. It was obtained from Bank of Indonesia. Then, it was divided into input and output variables. The determination of input output variables at this research uses Value Added Approach. Its input output variables consist of Demand Deposits, Saving Deposits, Time Depo-sits, Paid -In Capital, Placement at Bank ofIndonesia, Inter Bank Assets, Mudharabah, Musyara kah, Murabahah, Istishna, Ijarahand Qardh. This research used Data Envelopment Analysis method. This method has a strength that is having the capability to measure inefficiency input output variables, so that, the variable can have the efficiency. This research has resulted Islamic Banking efficiency in Indonesia, but it does not include BPRS. The mean efficiency of Islamic banking in Indonesia is 99,94%.

Penelitian ini bertujuan mencari faktor faktor penyebab perbedaan nilai efisiensiperbankan syariah di Indo-nesia yang dibandingkan secara relatif untuk setiap periode. Data yang digunakan pada penelitian ini menggu-nakan data keuangan perbankan syariah yang diperoleh dari Bank Indonesia kemudian dibagi menjadi variabel input dan output. Penentuan variabel input dan output pada penelitian ini menggunakan pendekatan Value Added Approach. Variabel input outputnyaterdiri dari : Giro iB, Tabungan iB, Deposito iB, Modal disetor, Pen-empatan padaBank Indonesia, Penempatan pada bank lain, Mudharabah, Musyarakah, Murabahah,Istishna, Ijarah dan Qardh. Pada penelitian ini menggunakan metode Data Envelopment Analysis yang mempunyai kel-ebihan dalam menghitung efisiensi untuk setiap variabel input outputyang mengalami inefisiensi. Penelitian ini menghasilkan nilai efisiensi perbankan syariah di Indoenesia (tidak termasuk BPRS). Efisiensi perbankan syariah di Indonesia mengalami efisiensi rata-rata sebesar 99,94%.


Keywords


efficiency; Islamic banking; Data Envelopment Analysis

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DOI: https://doi.org/10.15294/jejak.v7i2.3895

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