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All Journal al-Uqud : Journal of Islamic Economics Madania: Jurnal Kajian Keislaman
Susetyohadi, Agus
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Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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Islamic Banking Efficiency in Indonesia and Malaysia: Two Stages Data Envelopment Window Analysis Pantas, Pribawa E; Susetyohadi, Agus; Azwita, Laurin
al-Uqud : Journal of Islamic Economics Vol 5, No 2 (2021): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (385.999 KB) | DOI: 10.26740/al-uqud.v5n2.p%p

Abstract

This study aimed to evaluate the efficiency of Islamic banks in Indonesia and Malaysia and examine the determinants of their efficiency in 2015-2019 using a two-stage data development window analysis approach. The research involves 13 Indonesian Islamic banks and 16 Malaysian Islamic banks. The first test step using the Data Envelopment Window Analysis (DEWA) approach has shown that the Islamic Bank's efficiency in managing resources is inefficient. The second research process using the Tobit model shows that the Capital Adequacy Ratio (CAR), Return on Asset (ROA), Non-Performing Financing (NPF), and Deposit Ratio Financings (FDR) do not have a significant impact on the efficiency of Indonesian Islamic Banking. Though CAR has significant positive effects on banking efficiency in Malaysia, NPF has a significant impact on Malaysian Islamic banks' efficiency. This study implies that the banking industry players increase their efficiency, mainly to enhance the amount of finance directed more towards the production sector, to increase the Islamic banking industry's market share in both countries.
The Efficiency of Amil Zakat Institutions (LAZ) in Indonesian Islamic Banks: Data Envelopment Analysis Approach Rofiul Wahyudi, Rofiul Wahyudi; Susetyohadi, Agus
Madania: Jurnal Kajian Keislaman Vol 25, No 2 (2021): DECEMBER
Publisher : Universitas Islam Negeri (UIN) Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/madania.v25i2.5054

Abstract

The Amil Zakat Institution (LAZ), based on Islamic bank corporations, has shown a significant role based on the mandate of the 2008 law on the social functions of Islamic banks. However, a performance evaluation is needed to see how efficient the LAZ is in its operations. This study aims to analyze the level of efficiency of the LAZ of Islamic bank corporations in Indonesia. This research method uses a quantitative design with an associative approach. The research subjects were five. Due to limited data, two samples were taken, namely the LAZ of Islamic bank corporations, including Baitulmal Bank Muamalat (BMM) Indonesia and BSM Ummah (BSMU). Efficiency analysis uses the Data Envelopment Analysis (DEA) method of production, asset and intermediation approaches, and the data is tested using Warwick DEA software. The results of this study indicate that all OPZ based on Islamic banks have efficient performance with a value of 100% both on the assumption of Constant Return to Scale (CRS) and Variable Return to Scale (VRS). This means that OPZ from Islamic bank corporations can collect and distribute ZISWA funds. The results of this study also indicate that there are limitations to the research carried out. The researcher recommends further research to add other, more comprehensive approaches, such as intermediation and assets. Lembaga Amil Zakat (LAZ) berbasis korporasi bank syariah telah menunjukkan peran yang signifkaan berdasarkan amanat undang-undang 2008 tentang fungsi sosial bank syariah. Namun, demikian, diperlukan evaluasi kinerja untuk melihat seberapa efisien LAZ tersebut dalam operasionalnya. Tujuan penelitian ini untuk menganalisis tingkat efisiensi LAZ korporasi bank syariah di Indonesia. Metode penelitian ini menggunakan desain kuantitatif dengan pendekatan asosiatif. Subyek penelitian berjumlah lima. Adanya keterbatasan data, diambil dua sampel yakni LAZ korporasi bank syariah meliputi Baitulmal Bank Muamalat (BMM) Indonesia dan BSM Umat (BSMU). Analisis efisiensi menggunakan metode Data Envelopment Analysis (DEA) pendekatan produksi, asset dan intermediasi dan data diuji dengan menggunakan software Warwick DEA. Hasil penelitian ini menunjukkan semua OPZ berbasis bank syariah mempunyai kinerja efisien dengan nilai 100% baik asumsi Constant Return to Scale (CRS) dan Variable Return to Scale (VRS).  Artinya OPZ dari korporasi bank Syariah mempunyai kemampuan  menghimpun dan menyalurkan dana ZISWA. Hasil penelitian ini juga menunjukkan adanya keterbatasan penelitian yang telah dilakukan  Peneliti merekomendasikan penelitian selanjutnya untuk menambahkan pendekatan lain yang lebih komprehensif seperti dalam aspek  intermediasi dan asset.
Co-Authors Azwita, Laurin Pantas, Pribawa E Rofiul Wahyudi, Rofiul Wahyudi