Analisis Efisiensi Bank Umum Syariah Hasil Pemisahan Dan Non Pemisahan Serta Faktor-Faktor Yang Mempengaruhinya (Studi Pada Bank Umum Syariah Yang Terdaftar Di Otoritas Jasa Keuangan Pada Periode 2011-2016)

Fadilah, Fitri Nur; Yuliafitri, Indri

doi:10.32678/ijei.v9i1.88

Cited by 7 publications

(19 citation statements)

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“…That is due to the higher operational costs, the lower the profit and vice versa (Sintia Z, 2018), as happened to BPRS Niaga Madani, which had high input operating costs but a low output of operating income. This study supports the results of research conducted by (Khairunnisa & Khasanah, 2018), (Fadilah & Yuliafitri, 2018), and (Fauzi & Daud, 2020), saying that assets or total assets have a significant effect on the level of efficiency.…”

Section: Effect Of Fixed Assets On the Efficiency Value Of Bprs In So...supporting

confidence: 89%

The Efficiency of Islamic Rural Banks (BPRS) in South Sulawesi

Khatimah

Miranti

2022

ifinance

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This study aims to determine the efficiency level of Islamic Rural Banks (BPRS) in South Sulawesi and determine what influences it. The study population is the BPRS in South Sulawesi registered with the Financial Services Authority (OJK). The study sample used the purposive sampling method and obtained 7 BPRS in South Sulawesi. The data source comes from the quarterly financial reports of the BPRS. The analysis technique is two stages – data envelopment analysis (DEA). The results of the first stage, using DEA, found that the average efficiency of the BPRS Indo Timur, Dana Moneter, Surya Sejati, Investama Mega Bakti and Harta Insan Karimah Makassar was 1, Niaga Madani was 0.829, while Gowata was 0.993. The second stage, using Tobit regression, found that fixed assets, operating costs, and operating income showed significant results in the alpha value. Meanwhile, total savings, profit-sharing financing, and productive assets showed no significant results on the alpha value. The first stage concludes that the BPRS in South Sulawesi is not included in the efficient level. In the second stage, the variables of fixed assets, operating costs, and operating income partially affect the efficiency value of the BPRS.

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Section: Effect Of Fixed Assets On the Efficiency Value Of Bprs In So...supporting

confidence: 89%

The Efficiency of Islamic Rural Banks (BPRS) in South Sulawesi

Khatimah

Miranti

2022

ifinance

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“…Otoritas Jasa Keuangan (OJK) turut mengungkapkan bahwa sebanyak 14,2% aset perbankan tumbuh dengan rincian Rp 500 triliun di tahun 2019, menjadi Rp 571 triliun di tahun 2020. Data OJK pada Januari 2021 menunjukkan terdapat 34 pelaku usaha perbankan syariah terbagi dari 14 Bank Umum Syariah (BUS), dan 20 Unit Usaha Syariah (UUS), serta 163 BPS (Fadilah dan Yuliafitri, 2018).…”

Section: Pendahuluanunclassified

“…Selain NPL, ada beberapa faktor lain yang dapat digunakan untuk mengukur efisiensi perbankan syariah, yaitu size (Viverita dan Ariff, 2011;Fadilah dan Yuliafitri, 2018;Haryanto, 2018;Sari et al, 2018;Puspita dan Shofawati, 2019, Suwignyo dan Musdholifah, 2019Wardhani dan Mongid, 2019;Fauzi dan Daud, 2020;Octrina dan Mariam, 2021), Capital Adequency Ratio (CAR) (Havidz dan Setiawan, 2015;Ramli et al, 2018;Majdina, Munandar, dan Effendi, 2019); Return On Assets (ROA) (Pambuko, 2016;Farandy, D. A. Suwito, et al, 2017;Sari dan Saraswati, 2017;Shidiqi dan Rachmawati, 2018); Financing to Deposit Ratio (FDR) Hidayati et al, 2017;Ramli et al, 2018).…”

Section: Veronika Cindy Mey Tika Sariunclassified

“…Sari et al (2018) Suryanto dan Susanti (2020) menyatakan bahwa Financing to Deposit Ratio (FDR) sebagai alat ukur dalam melihat kemampuan pembayaran kembali dana dengan mengandalkan pembiayaan sebagai sumber likuidnya. Saat pembiayaan meningkat, otomatis pendapatan turut meningkat, artinya laba turut menaik pula (Havidz dan Setiawan, 2015;Pambuko, 2016;Hidayati et al, 2017;Fadilah dan Yuliafitri, 2018;Ramli et al, 2018;Shidiqi dan Rachmawati, 2018;Miftahurrohman, 2019;Puspita dan Shofawati, 2019;Suwignyo dan Musdholifah, 2019;Wardhani dan Mongid, 2019;Fadilah dan Yuliafitri, 2018), sehingga hipotesis kelima berbunyi:…”

Section: Veronika Cindy Mey Tika Sariunclassified

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Determinan Tingkat Efisiensi Perbankan di Indonesia

Sari

Nurhayati

Dzuralda

2022

Study of Accounting

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Indonesia is a country with the existence of a Sharia banking sector that operates side by side with conventional banks under the supervision of Bank Indonesia which is quite a lot. The existence of Islamic banking needs to be measured efficiency in measuring the resilience of its market share. This study aims to determine the factors that affect the level of efficiency of Islamic banking in Indonesia for the period 2010-2021, which is projected with Non Performing Loan (NPL), size, Capital Adequency Ratio (CAR), Return On Assets (ROA), Financing to Deposit Ratio (FDR). The data used is secondary data in the form of islamic banking annual reports. This research sample is Sharia Commercial Bank as many as 7 Banks. Sampling techniques are carried out using purposive sampling. Data analysis techniques use multiple linear regression analysis with SPSS v.18. The results showed that Non Performing Loans (NPL), size, and Return On Assets (ROA) affected the bank’s efficiency rate. Meanwhile, Capital Adequency Ratio (CAR) and Financing to Deposit Ratio (FDR) have no effect on the bank’s efficiency level.

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“…Apabila likuiditas menunjukkan lebih dari 100% berarti bank tersebut menyalurkan pembiayaan melebihi dana yang dihimpun dan dana yang dihimpun dari masyarakat sedikit, maka bank dapat di katakan tidak menjalankan fungsinya dengan baik (Wahab, 2015). Likuiditas (FDR) yang tinggi mencerminkan bahwa semakin banyak dana yang disalurkan dalam bentuk pembiayaan, sehingga bank semakin efisien yang artinya bahwa bank mampu mengatasi likuiditasnya (Fadilah & Indri Yuliafitri, 2018) Penulis menilai bahwa perbankan Syariah masih kurang sehat dilihat dari banyaknya masalah-masalah yang dialami oleh perbankan Syariah salah satunya BPRS yang kurang optimal. Dengan demikian, peneliti akan meneliti bagaimana efisiensi Bank Pembiayaan Rakyat Syariah di Indonesia (BPRS).…”

Section: Pendahuluanunclassified

Efisiensi Bank Pembiayaan Rakyat Syariah di Indonesia: Analisis Pengaruh Kecukupan Modal, Likuiditas dan Pembiayaan Bermasalah

Nurcahyani

2021

j. akunt.

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This study aims to determine the efficiency of Islamic Rural Banks (BPRS) in Indonesia, as well as to analyze the factors that influence this efficiency. The variables used in measuring bank efficiency include the input variable consisting of total assets and third party funds (TPF) while the output variable consists of total financing. This study examines the effect ofvariables independent in the form of Capital Adequacy (CAR), Liquidity (FDR), and Problem Financing (NPF) on the dependent variable, namely the Level of Efficiency. The research method used is the analysis of Stochastic Frontier Analysis (SFA) and Multiple Linear Regression. The results of this study indicate that the level of efficiency of Islamic People's Financing Bank in Indonesia is high, which is almost close to the value of 1 which means that it is almost efficient, capital adequacy and financing problems have an effect, while liquidity does not affect the level of efficiency of Islamic People's Financing Banks in Indonesia. The results of the analysis show that the high level of efficiency of Islamic People Financing Banks in Indonesia is caused by a healthy level of capital adequacy, unhealthy liquidity and unhealthy financing problems.

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Analisis Efisiensi Bank Umum Syariah Hasil Pemisahan Dan Non Pemisahan Serta Faktor-Faktor Yang Mempengaruhinya (Studi Pada Bank Umum Syariah Yang Terdaftar Di Otoritas Jasa Keuangan Pada Periode 2011-2016)

Cited by 7 publications

References 0 publications

The Efficiency of Islamic Rural Banks (BPRS) in South Sulawesi

The Efficiency of Islamic Rural Banks (BPRS) in South Sulawesi

Determinan Tingkat Efisiensi Perbankan di Indonesia

Efisiensi Bank Pembiayaan Rakyat Syariah di Indonesia: Analisis Pengaruh Kecukupan Modal, Likuiditas dan Pembiayaan Bermasalah

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