Analisis Efisiensi Perbankan Syariah Di Indonesia Pascakrisis Finansial Global 2008 Dengan Pendekatan Data Envelopment Analysis (DEA)

Abstract

Measurement of the efficiency of Islamic banking is done as an indicator that can be used to increase market share. Efficiency measurements carried out by the method of Data Envelopment Analysis (DEA), assume constant returns to scale, the intermediation approach (input variables: labor costs, fixed assets, total deposits) and (output variables: total loans, liquid assets, other income). The object of research consists of 11 Islamic Commercial Banks and 12 Islamic Business Unit. The measurement result is known that in the year of observation, ie 2010-2014, there were 1 BUS who achieve perfect efficiency (100%) consistently, namely Bank Maybank Syariah, while the other BUS efficiency rate fluctuation. Interesting phenomenon also occurs in the UUS, there is one bank that achieve efficiency (100%) istiqomah namely Bank Permata, while others UUS fluctuated. The variable of other income and liquid assets is the main factor of inefficiency. In addition to knowing the level of relative efficiency, DEA also showed that banks can be used as a reference so inefficient bank is able to achieve 100% efficiency, and value targets that should be achieved, then the efficiency improvement is a requirement for Islamic banking entities Islamic financial institutions in order to have a competitive edge. Different test with Mann Whitney U Test produced a significance value of 0.664 > 0.05, so that concluded there was no significant difference in the level of efficiency BUS and UUS.