Efisiensi Bank Umum Syariah Di Indonesia Dengan Pendekatan Three Stages Frontier Analysis

Muttaqin, Ibnu; Rini, Rini; Fatriansyah, Alif Ilham Akbar

doi:10.35836/jakis.v8i2.119

Cited by 4 publications

(3 citation statements)

References 2 publications

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“…Therefore, those variables have no significant effect on efficiency. The study results align with research conducted by Muttaqin et al (2020), which revealed that CAR and NPF had no significant effect on efficiency. Similarly, the research by Octrina and Mariam (2021) found that ROA and NOM had no significant effect on efficiency.…”

Section: Discussionsupporting

confidence: 87%

Islamic bank efficiency: an efficiency method with SFA

Octrina

Priatmojo²

2023

JES

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Judging from the financial ratios, the performance of Islamic banking in Indonesia was remarkably stable both before and during the Covid-19 pandemic. However, another thing is whether this condition could make Islamic banks continue to work effectively. This study aimed to measure the cost efficiency of Islamic commercial banks in Indonesia quarter I of 2019 – quarter IV of 2020 and analyze the influencing factors in cost efficiency. The study used a saturated sampling technique with a total sample of 14 Islamic commercial banks, while the efficiency level was determined using the Stochastic Frontier Analysis (SFA) method. It turns out that PT. Bank Muamalat Indonesia Tbk. has the highest efficiency value of 0.9284. Several banks with an efficiency value of more than 0.5 are PT. Bank Aceh Syariah, PT. Bank BNI Syariah, and PT. Bank Mega Syariah. In this study, only inflation variables affect efficiency. In contrast, bank size, Return on Assets (ROA), Net Operating Margin (NOM), Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR) variables, Capital Adequacy Ratio (CAR), Gross Domestic Product (GDP), and the rupiah exchange rate don’t affect the efficiency. Overall, all the company's internal variables and environmental variables affect efficiency.

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Section: Discussionsupporting

confidence: 87%

Islamic bank efficiency: an efficiency method with SFA

Octrina

Priatmojo²

2023

JES

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“…Islamic banks are a rapidly growing industry (Bitar, Hassan, and Walker 2017). The banking industry plays a crucial role in efficiency in Islamic banking, one of the parameters used to measure performance (Muttaqin, Rini, and Fatriansyah 2020). The Islamic financial industry worldwide has experienced significant growth since 25 years ago compared to conventional banks.…”

Section: Literature Review Islamic Banking Efficiencymentioning

confidence: 99%

Parametric Stochastic Frontier Approach To Measure Efficiency Pre-And-Post-Merger Bank Syariah Indonesia

Sari,

Widodo,

Lestari

et al. 2024

Iqtishaduna

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This research analyses the efficiency of pre-and-post-merger Bank Syariah Indonesia (BSI). This research used a descriptive quantitative analysis method. The population in this research is Islamic banks, which were merged into BSI. The sampling technique was carried out using saturated samples, resulting in the merged of three Islamic Banks, namely Bank Syariah Mandiri (BSM), Bank Negara Indonesia Syariah (BNIS), Bank Rakyat Indonesia Syariah (BRIS), to become BSI. The data used is secondary data in the form of quarterly financial reports for 2019-2022. The research focused on input variables such as total fixed assets, third-party funds, operating costs, and financing. The data analysis techniques used to measure the efficiency of Islamic banks are the Econometric Model (Single Equation Model), Stochastic Frontier Analysis (SFA), and Independent Sample t-test. The result showed that pre-merger, the total fixed asset, total third-party funds, and operating cost as the input variables of the three Islamic Banks were optimal for generating financing. Therefore, the total assets, total third-party funds, and operating costs produced a more optimal impact on the distribution of total financing. It is shown that BSI, both pre-and-post-merger, has generally been efficient in its operational activities. The results of this research complement the theory related to the efficiency level of Islamic banks in terms of the amount of financing as measured by fixed assets, total third-party funds, and operational costs. Practically, the results of this research can be a reference for banks, especially Islamic banks, that will carry out mergers to measure their efficiency level.

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“…Estimasi nilai efisiensi perbankan syariah dilakukan dengan metode SFA, kemudian dilanjutkan dengan regresi linier dengan variabel independennya adalah size, ROA, NOM, NPF, FDR, CAR, Inflasi, GDP, dan BI Rate. Muttaqin, Rini, & Fatriansyah (2020) menggunakan rerata estimasi nilai efisiensi dari dua metode (SFA dan DEA) dan menggunakan determinant factor seperti sebelumnya, dengan tambahan satu variabel tambahan yaitu jumlah cabang (branch). Sementara itu beberapa penelitian menggunakan two stage model dengan metode DEA yaitu Firdaus & Hosen (2013), Puspita & Shofawati (2018), Fiafifah & Darwanto (2019), dan Kurnianti & Musdholifah (2019) dengan Tobit regression, Havidz & Setiawan (2015) dengan PLS, Bisri (2016) dengan fixed effect regression, Reza, (2016) dan Ramly & Hakim (2017) dengan panel regression.…”

Section: Gambar 2 Proporsi Pemilihan Objek Penelitianunclassified

Dinamika Pemilihan Variabel Input-Output Pada Penelitian Efisiensi Perbankan Syariah di Indonesia

Wahyudi¹,

Soemitra²

2022

ajeks

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Islamic banking is the backbone of a justice economy. Economic growth requires efficient Islamic banking, costly and profitly. This paper is a literature review that aims to investigate the dynamics of input and output variables in Islamic banking efficiency research in Indonesia. The sample data used were 65 journal papers selected purposively with the initial assistance of the Publish or Perish software. The time span of the publication year of the sample paper is 2007-2021. The analytical method used is bibliometric and content analysis. From the results of the analysis found the existence of dynamics in the selection of input and output variables in research on the efficiency of Islamic banking in Indonesia. There is a tendency for research on the efficiency of Indonesian Islamic banking that leads to the selection of approaches , certain input variables and output variables, namely the intermediary approach. Deposits, labor costs, fixed assets, operational costs, and total assets became the five main rankings of the input variables chosen by researchers throughout the year of publication. From the output point of view, financing and operating income are the two dominant variables that are often used. The selection of methods, approaches, and input-output variables of Islamic banking efficiency research is highly dependent on the level of preference of each researcher. In the end, there were at least two gaps that were found, which could become opportunities for future research on the efficiency of Islamic banking, namely: 1) not absorbing the elements of banking modernity, and 2) not touching the Islamic values that inherently becomes the face of Islamic banking in the implementation of daily operations. Keywords: Islamic banking, Literature review, Input variable, Output variable, Efficiency

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Efisiensi Bank Umum Syariah Di Indonesia Dengan Pendekatan Three Stages Frontier Analysis

Cited by 4 publications

References 2 publications

Islamic bank efficiency: an efficiency method with SFA

Islamic bank efficiency: an efficiency method with SFA

Parametric Stochastic Frontier Approach To Measure Efficiency Pre-And-Post-Merger Bank Syariah Indonesia

Dinamika Pemilihan Variabel Input-Output Pada Penelitian Efisiensi Perbankan Syariah di Indonesia

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