Penggunaan Data Envelopment Analysis (DEA) dalam Pengukuran Efisiensi Bank Umum Syari'ah di Indonesia

Abstract

The purpose of the research is to analayze efficiency level of Sharia Commercial Bank in Indonesia (Bank Mega Syariah, Bank Muamalat Indonesia, Bank Panin Dubai Syariah, Bank BNI Syariah, Bank BRI Syariah, and Bank Syariah Mandiri) 2014-2015 period. Data used in this research is secondary data taken from Financial Statement Publication issued by Otoritas Jasa Keuangan (OJK). This research uses input-output variable with Data Envelopment Analysis (DEA) Method.The result shows the difference of efficiency score for each Sharia Commercial Bank. Based on the calculacy using Data Envelopment Analysis (DEA) Method on BUSN Foreign Exchange of Sharia Commercial Bank in Indonesia only Bank Panin Dubai Syariah that has been succeeded with 100 percent of continuously efficiency during the research. The highest efficiency is experienced by Bank BNI Syariah and BRI Syariah because during the research they experienced inefficiency. During the research Bank Mega Syariah experienced efficiency three times on quarter March 2014, March 2015, and June 2015. Bank Muamalat Indonesia only experienced efficiency twice on quarter March 2014 and March 2015, beside that Bank Muamalat Indonesia experienced inefficiency. Bank Syariah Mandiri experienced efficiency twice on quarter March 2015 and quarter December 2015.

Implementation of Data Envelopment analysis (DEA) in measuring the efficiency zakat fund management

“…The DEA method has one excellence produces relative efficiency values for each Activity Unit Economy (UKE) that is by showing potential improvement or the level of repairs required from each UKE. Repair the input and output variables show the efficient level of the UKE not yet efficient can be increased or reduced to achieve conditions efficient both technically cost or technical system (Puspitasari, 2017) (Cooper et al, 2011 In 2015 BAZNAS experienced inefficiency with a score of 79.16%. For increasing the efficiency of BAZNAS on the input side can be done by setting the total assets of Rp 60,822,688,145 from the current amount of Rp 45,384,697,512.…”

“…The parametric frontier approach can be measured by parametric statistical tests such as the Stochastic Method Frontier Approach (SFA) and Distribution-Free Approach (DFA). The nonparametric frontier approach was measured by a nonstatic test parametric, namely by using the Data Envelopment Analysis method (DEA) (Puspitasari, 2017).…”

Efisiensi Kinerja Keuangan Sektor Perbankan Indonesia Di Masa Pandemi Covid-19

“…Sistem operasional Bank Syariah berasaskan pada prinsip syariah, yaitu adanya akad yang berlandaskan pada prinsip Islam antara pihak bank dengan pihak nasabah baik saat menyimpan dana ataupun transaksi pembiayaan hingga kegiatan bisnis lainnya yang dianggap sah berdasarkan nilai-nilai syariah Islam (Himmawan dan Firdausi, 2021;Rahmi dan Putri, 2019;Tahliani, 2020). Selain itu, istilah lain dari Bank Syariah adalah Islamic banking atau interest fee banking, yang berarti bahwa sistem perbankan yang dalam kegiatan operasionalnya tidak memberlakukan adanya bunga (riba), spekulasi (maisir) dan ketidakjelasaan (gharar) (Kamarudin et al, 2016(Kamarudin et al, , 2017Puspitasari et al, 2018).…”

Analisis Tingkat Efisiensi Bank Umum Syariah di Indonesia pada Era Masyarakat Ekonomi Asean (MEA)

“…Efisiensi menurut KBBI adalahhketepatan cara atau kemampuan dalamhmenjalankan sesuatu dengan tidak membuang waktu, tenaga, dan biaya atau dengan baik dan tepat. Menurut Noor dalam Puspitasari et al (2018) , Efisiensi adalahkistilahiyang diigunakan untuk menggukur kemampuan pengelolaan atau pemanfaatan asset produksi. Semakin mendekati ideal, dikatakanjsemakin efisien, dan sebaliknya.…”

“…MenurutiHadad dkk dalam Puspitasari et al (2018), kada 3 (tiga) pendekatankyang digunakan dalamkmendefinisikanohubungan input dan output dalamktingkah lakukdari lembagakkeuangan. Pendekatan yang digunakanjdalam mendefinisikankhubungan input dan output,kyaitu:…”