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A B S T R A C T A B S T R A K

The study aims to analyze the effect of asset diversification, bank risk, and bank size moderated by the ownership structure and board of Commissioners on the level of efficiency in Sharia banking in Indonesia. The study was conducted on 13 Sharia banks with the observation period in 2010-2017. The results of this study found that diversification moderated by ownership structures and the diversification moderated by Shariah Supervisory Boards had no significant influence on bank efficiency, while bank risk measured with NPF ratio (non-performing Finance) had a significant negative influence on the bank's level of efficiency, and the bank's total size of the asset had a significant positive influence on the efficiency rate of Sharia banking in Indonesia. R-Square, with a value of 28.65 percent signifies that dependent variables in the study contributed to the efficiency of the bank by 28.65 percent.

Tingginya perbedaan tingkatan sosial ekonomi kelompok BUMN dan usaha besar dengan UMKM seharusnya menjadi perhatian serius pemerintah. Hal tersebut diperlukan agar pemerintah dapat memerankan dirinya secara lebih optimal di dalam sektor ekonomi skala UMKM yang umumnya bergerak pada sektor-sektor informal. Penentuan berbagai kebijakan yang diperuntukkan bagi UMKM, khususnya usaha yang berada pada skala mikro (informal), haruslah melibatkan pelaku usaha mikro itu sendiri untuk merumuskan serta menentukan berbagai instrumen kebijakan.