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All Journal Jurnal Ekonomi dan Bisnis Islam Tamkin Journal
Tyas, Atika Ayuning
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The Efficiency of Islamic Life Insurance in Indonesia: A Two-stages DEA Tyas, Atika Ayuning
Tamkin Journal Vol. 2 No. 2 (2023): Tamkin Journal
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/tj.v2i2.378

Abstract

The Islamic insurance industry in Indonesia is one of the industries that is experiencing very rapid development every year. This can be seen from the growth of assets and market share that continues to increase, especially in the Islamic life insurance industry. The rapid development of the Islamic life insurance industry has led to a stronger level of competition between companies. To be able to compete in the insurance industry nationally, Islamic life insurance must be able to compete with conventional insurance by improving performance optimally. The purpose of this study is to analyze the efficiency of Islamic life insurance companies and business units in Indonesia for the period 2014-2019 and the factors that influence them. This study used 3 companies and 10 Islamic life insurance business units that issued their financial statements in the 2014-2019 period. The method used in this research is the Data Envelopment Analysis (DEA) method and Tobit. The estimation results show that all companies and business units of Islamic life insurance in Indonesia have not reached the level of performance efficiency and there are still inefficiencies in the use of inputs and outputs. Factors that positively affect efficiency are joint venture dummy, while liquidity ratio and expense to net premium ratio negatively affect the performance efficiency of Islamic life insurance companies and business units in Indonesia.
THE PRE-MERGER EFFICIENCY OF BANKS: EVIDENCE IN INDONESIA STATE-OWNED ISLAMIC BANKS Tyas, Atika Ayuning; Rusydiana, Aam Slamet
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 7 No. 1 (2021): JANUARY-JUNE 2021
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v7i1.23319

Abstract

In an effort to improve the development of the sharia economy in Indonesia, the Ministry of State-Owned Enterprises (BUMN) has decided to carry out a merger of BRI Syariah, Bank Syariah Mandiri, and BNI Syariah becomes Bank Syariah Indonesia. This merger plan is implemented to increase the share of the Islamic banking market so that it can compete with conventional banking. In order to be able to compete with conventional banking, Islamic banks must be able to have efficient performance and high productivity. This research is a quantitative study to analyze and compare the performance efficiency of BRISyariah, Bank Syariah Mandiri, and BNISyariah with the performance efficiency of ten conventional banks for the 2016-2019 periods using the Data Envelopment Analysis (DEA) method with five analysis models to obtain various considerations in preparing the merger plan. The estimation results show that if the three Islamic banks are merged, they will have inefficient performance with an efficiency score of 0.86. On the other hand, if only two Islamic banks are merged, namely BNISyariah and BRISyariah, it will produce perfect efficiency values.
Co-Authors Aam Slamet Rusydiana, Aam Slamet