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All Journal Tahkim (Jurnal Peradaban dan Hukum Islam) Syiar Hukum: Jurnal Ilmu Hukum Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Laa Maisyir Jurnal Ekonomi Islam Jurnal Intelektualita: Keislaman, Sosial, dan Sains KEUNIS Law and Justice Jurnal Ilmiah Ekonomi Islam Jurnal Hukum Acara Perdata ADHAPER Jurnal Ilmiah Universitas Batanghari Jambi al-Afkar, Journal For Islamic Studies Jurnal Istiqro' Al-Jinayah: Jurnal Hukum Pidana Islam Edukasi Islami: Jurnal Pendidikan Islam QARDHUL HASAN: MEDIA PENGABDIAN KEPADA MASYARAKAT Legal Standing : Jurnal Ilmu Hukum Istinbath: Jurnal Hukum dan Ekonomi Islam PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat JCRS (Journal of Community Research and Service) Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Amwaluna Jurnal Ekonomi dan Keuangan Syariah Pena Justisia: Media Komunikasi dan Kajian Hukum LISAN AL-HAL: Jurnal Pengembangan Pemikiran dan Kebudayaan Jurnal Hukum Acara Perdata Indonesian Journal of Islamic Economics Research Jurnal Manajemen dan Bisnis Jayakarta Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al Huquq : Journal of Indonesian Islamic Economic Law El-kahfi : Journal of Islamic economics Al-Iqtishod : Jurnal Ekonomi Syariah International Journal of Educational Review, Law And Social Sciences (IJERLAS) Indonesian Journal of Social Science Research Law Development Journal El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Al-Muamalat : Jurnal Ekonomi Syariah Jurnal Iqtisaduna Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Indonesian Journal of Multidisciplinary Science QULUBANA: Jurnal Manajemen Dakwah Journal Islamic Economics Ad Diwan Jurnal Riset Ekonomi Syariah Milkiyah: Jurnal Hukum Ekonomi Syariah Bandung Conference Series : Sharia Economic Law Bandung Conference Series : Syariah Banking Jurnal Ekonomi Syariah Indonesia Jurnal Riset Perbankan Syariah Sewagati Fastabiq: Jurnal Studi Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of Law and Social Politics Jurnal Rekognisi Ekonomi Islam (JREI) Jurnal Medika: Medika Tasyri' : Jurnal Muamalah dan Ekonomi Syariah Khazanah Hukum Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan
Panji Adam Agus Putra
Fakultas Syariah, Universitas Islam Bandung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Journal : keunis

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Do Islamic Rural Banks in West Java Become More Efficient Over Time? A Panel Stochastic Frontier Analysis Mohamad Andri Ibrahim; Alya Naima Siti Najwa; Yayat Rahmat Hidayat; Panji Adam Agus Putra
KEUNIS Vol. 14 No. 2 (2026): JULY 2026
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/keunis.v14i2.7433

Abstract

Islamic Rural Banks (BPRS) play a crucial role in Indonesia’s Islamic microfinance sector, specifically in serving underbanked communities in rural areas. Therefore, understanding their efficiency dynamics is essential for ensuring long-term sustainability and assisting evidence-based policy formulation, particularly in the post-pandemic context where operational challenges intensify. This study investigates the efficiency dynamics of BPRS in West Java over the 2020–2023 period, decomposing efficiency into production and revenue components to identify specific sources of inefficiency. Using panel Stochastic Frontier Analysis (SFA) with 108 bank-year observations from 27 BPRS institutions, this study estimates both cost and profit efficiencies while controlling for environmental factors. The time-varying inefficiency model enables systematic assessments of temporal efficiency trends. The results reveal exceptionally high production efficiency (mean = 99.99%), indicating optimal input use. However, revenue efficiency shows substantial variation (mean = 72%) and a slight decline from 72.77% in 2020 to 71.6% in 2023. Contrary to the organisational learning theory, overall technical efficiency does not improve over time; instead, it decreases from 86.38% to 85.79%. This study provides the first evidence on BPRS temporal efficiency dynamics in the post-pandemic period and demonstrates that efficiency challenges stem primarily from revenue generation rather than operational weaknesses.
Co-Authors Adhitya Yudha Yudistira Aditya Nugraha Ahmad Faisal Akbar Ahmad Zaini, Abdul Malik dan Ai Jamilah Akhmad Yusup Aliya Putri Fitria Nuryanti Alma Hanifa Candra Yulia Alya Naima Siti Najwa Amrulla Hayatudin Amrullah Hayatudin Annisa Eka Rahayu Aprillia Ratih Pawestri Samapta Arif Rijal Anshori Asyila Putri Wibowo Atmima Tabi’inattien Al-ahya Aulia Aniatun Nisa Ayu Tuty Utami Azri Bhari Cecep Kusmana Cecep Soleh Kurniawan Dani Durahman Dayu Mirwan Dede Rifaldy Ambar Deshinta Arrova Dewi Desthya Sefty Ramadhania Dhanisa Leryan Diajeng Ayunda Candra Kirana Diana Wiyanti Dina Rahmania Eka Rahayu, Annisa Elisa Siti Widyastuti Fadhila Azzahra Fadhilah, Salma Nurul Fahmi Fatwa Rosyadi Satria Fahrudin Misdar Faisal Musyaffa Faisal, Farid Farid Faisal Fattah, Athiyatul Fauzia Rizqika Subrata Ferdian Franata Firda Meilani Wijayanti Firda Nurfadilah Geugeut Kinasih Wahyuni Haliya Azka Imadi Hendi Suhendi Heru Pratikno Hery Widijanto Imam Mugi Indra Wijaya Intan Manggala Wijayanti Intan Nur Apriliani Intan Nurapriliani Intan Nurrachmi Intan Rahmawati Ira Siti Rohmah Maulida Iwan Permana Jajang Saepul Hamzah Khoerunnisa Amalia Liza Dzulhijjah M Faiz Mufidi M Zidan Al Insyani Maman Surahman Maman Surahman Marjan Laraswati Melawati Meti Sulastri Miftah Farid Aziez Mohamad Andri Ibrahim Mohamad Dandi Maulana Mohamad Ihsan Ramdani Muhamad Naufal Al Dzikri Muhamad Rafi Maududi Islam Muhammad Alfin Zayynur Rofiq Muhammad Fadhli Afkar Muhammad Farhan Bagja Naufal Muhammad Noval Muhammad Risandi Lampah Nadiya Ratna Pura Nadya Salsabila Najmi Nurfauzi Ihsani Nandang Ihwanudin Nandang Ikhwanudin Nandang Sambas Nanik Eprianti Nazwa Divalya Raya Gunadi Neneng Nurhasanah Neng Dewi Himayasari Neni Sri Imaniyati Noviyanti Ramdhani Nugraha, Ivan Nur Arifah, Siti Asiyah Nur Athiyah Rizqi Nurbani Syifa Nurjanah Nurul Aripin Permana, Iwan Popon Srisusilawati Puteri Asyifa Octavia Apandy Putra, Yuda Dharma Putri Diah Ayu Lestari Raditya Gantari Ahmad Riyadi Ramdan Fawzi Ratna Januarita Redi Hadiyanto Reni Trimelawati Rian Agung Nugraha Ridwan Wahyudi Rifqi Permana Rini Irianti Sundary Rois, Yovanka Graciela Rosyidah, Fairuz Syifa Rozalina Mirwan Salma Nurul Fadhilah Sandi Rizki Febriadi satria ilham Selly Eriska Shindu Irwansyah Siregar, Ariani Siska Lis Setiani Siti Karomah Nuraeni Sri Imaniyari, Neni Suhardini, Eni Dasuki Syalsya Elsa Fadillah Syifa Dewi Fajriyani Tahany, Tahany Tiya Rissa Kamila Trimelawati, Reni Trisya Aprianti Udin Saripudin Wulan Yandi Maryandi Yayat Rahmat Hidayat Yoghi Arief Susanto Yuda Dharma Putra Zia Firdaus Nuzula