Abstract This study aims to analyze and compare the efficiency and productivity of Conventional Commercial Banks (BUK) and Islamic Commercial Banks (BUS) in Indonesia, with 19 BUK and 14 BUS in Indonesia. This study uses the CRS and VRS models in analyzing efficiency with Data Envelopment Analysis while analyzing productivity using the VRS model using the Malmquist Productivity Index. The results of this study indicate that there are still BUK and BUS bankers who have not achieved maximum efficiency, and there are still many of the two types of banks with low efficiency. The leading cause of the inefficiency of BUK and BUS in Indonesia is caused by output variables, namely the amount of financing and operating income. This study also revealed that the Covid-19 pandemic caused a decrease in the efficiency of the BUK, while the efficiency of the BUS was relatively stable and even slightly increased. Furthermore, based on an analysis of productivity during the Covid-19 pandemic, BUK and BUS in Indonesia experienced an increase due to high technological changes. Then this study also revealed the results of the Malmquist index score. Changes influence changes in productivity efficiency and changes in technology. This study finds that the dominant factor that causes the increase in productivity of BUK and BUS in Indonesia is influenced by technological change factors. Thus digitalization in the banking industry sector is essential. This research also provides recommendations for several parties, such as practitioners, academics, and regulators

In the past few years, sharia investment rates in Indonesia has undergone massive growth. From the span of one year only, by 2017 to 2018 the sharia investment rates has risen to 92% (Peta Investor Syariah 2018). Nevertheless, the major growth has not been optimized entirely. It can be observed from the data of active sharia investor which only took 56% of the total amount of sharia investor. After thoroughly studied, Indonesia has a small *of financial inclusion and literation. A solution is needed for Indonesia society in order to be well literate, because a study has shown that financial literation has a positive and significant impact towards investment decision in sharia capital market which can be identified from the nominal of Sig. from financial literation in the amount of 0,041 < 0.05 (Muhammad Yusuf, 2018: 63). Research has proven that social media has a big impact in Indonesia, solely in 2019 Indonesia social media user has reached 150 billion or equivalent to 56% of the total population (Wearesosial Hootsuite). Therefore, social media marketing is expected to be a medium for increasing the rates of investment. This study aimed to see the impact of social media marketing on investment. Multiple linear regression is the method used in this study, and the type of study is explanatory research with a quantitative approach. The data sourced used is primary and secondary data with the sample withdrawal technique, purposive sampling. The conclusion from this study social media marketing (independent variable) has a positive and significant relation on sharia investment rates (dependent variable). Social media marketing provides a considerable impact on sharia investment.

The Islamic finance industry in Indonesia is currently a global concern, one of which is financial institutions, so productivity measurement is essential for BPRS in Indonesia. This study tries to analyze the BCC model as a basic model to see the level of productivity in 92 BPRS using the Malmquist productivity index, both in terms of changes in efficiency and changes in technology during the six-year observation period (2016-2021) using the Malmquist Index. There are several findings from this study. First, the overall level of productivity in BPRS shows an increase, and it is known that changes in efficiency and technology affect the increase in productivity of BPRS. Furthermore, in the analysis of each BPRS, it is known that the productivity of the BPRS fluctuates from year to year. Second, the regional study between Java and Non-Java found that BPRS in Java has higher productivity levels than BPRS outside Java, considering that Java is the center of the Indonesian economy and the impact of high technological changes on BPRS in Java. Third, the following finding is related to the productivity of BPRS before and after the Covid-19 pandemic, which showed a decline during the Covid-19 pandemic. Still, the decline was not significant when viewed from the results of statistical tests. Then based on the analysis of the Malmquist Index quadrant, it shows that the BPRS dominates quadrant 2 with the category of high technology and low efficiency, namely back to 25 BPRS, then followed by quadrant 4 with the type of technology and low efficiency, opening 24 BPRS, next is quadrant 3 with a total of 23 BPRS and quadrant one which has the highest category reaches 20 BPRS.