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Journal : IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita

Parametric Stochastic Frontier Approach To Measure Efficiency Pre-And-Post-Merger Bank Syariah Indonesia Sari, Mella Katrina; Widodo, Saniman; Lestari, Suryani Sri; Widowati, Mustika; Hasanah, Siti
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 13 No 1 (2024): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita - June
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v13i1.1840

Abstract

This research analyses the efficiency of pre-and-post-merger Bank Syariah Indonesia (BSI). This research used a descriptive quantitative analysis method. The population in this research is Islamic banks, which were merged into BSI. The sampling technique was carried out using saturated samples, resulting in the merged of three Islamic Banks, namely Bank Syariah Mandiri (BSM), Bank Negara Indonesia Syariah (BNIS), Bank Rakyat Indonesia Syariah (BRIS), to become BSI. The data used is secondary data in the form of quarterly financial reports for 2019-2022. The research focused on input variables such as total fixed assets, third-party funds, operating costs, and financing. The data analysis techniques used to measure the efficiency of Islamic banks are the Econometric Model (Single Equation Model), Stochastic Frontier Analysis (SFA), and Independent Sample t-test. The result showed that pre-merger, the total fixed asset, total third-party funds, and operating cost as the input variables of the three Islamic Banks were optimal for generating financing. Therefore, the total assets, total third-party funds, and operating costs produced a more optimal impact on the distribution of total financing. It is shown that BSI, both pre-and-post-merger, has generally been efficient in its operational activities. The results of this research complement the theory related to the efficiency level of Islamic banks in terms of the amount of financing as measured by fixed assets, total third-party funds, and operational costs. Practically, the results of this research can be a reference for banks, especially Islamic banks, that will carry out mergers to measure their efficiency level.
Co-Authors Abdul Wahab Abdullah, Ikhlas Abdurakhman, Omon Abdurakhman, Omon Adawiyah, Saidatul Afriani, Nur Aida, Siti Noor Amelia, Fitriani Anak Agung Istri Sri Wiadnyani Andriego , Johan Anggia, Mela Anggina, Viona Novi Apriani, Nurhapni Arumsari, Vita Aryani, Roza Arzhi Jiwantara, Firza Arzyana Sunkar Asidah, Erwin Asri asri Athirah, Zahra Aulia, Nurul baan, roy rocky suprapto Cahya Dewi , Desti Daniati, Sy. Effi Daska Azis Dewi Komalasari Dian Priharja Putri Dwihari, Desmarita Dwinata, Alona Edi Purwanto Efriyeldi, Efriyeldi Enjang Ali Nurdin Eristono, Eristono Eva Rachmawati Fahmi Fahmi Faqri, Rui Farah, Rinah Farizka Susandra Fauziah, Chusnul Firdaus, Muhammad Arwi Firzhal Arzhi Jiwantara Fitriyani, Eka Rika H. Ahmad Hanafi, SKM, M.Kes Habiby, Zamroni Hamsi Mansur Harahap, Diana Fajar Harahap, Diana Fajar Anggraini Hartono, Pierdijono Hasyim, Hafid Herbert Siregar Ibrahim Ali Ibrahim Ibrahim Ida Nurhayati Idhar, Idhar Idris, Haziq Ihsan, Khaerul Intan, Selpia Inten Risna Islahudin Iswahyu Pranawukir Jarwoto, Jarwoto Jepisah, Doni Jiwantar, Firzhal Arzhi Junaidi, M. Junayah, Yayah Katrinasari, Mella Kholili, Ulil Kraugusteeliana Kraugusteeliana Kubtiyah Ritonga, Mariyatul Kurnia, Anang Kurniawan, Cahyadi Kurniawati, Ade Lestari, Suryani Sri Linawati Linawati LUKMAN, LUKMAN Maemaunah, Maemaunah Mahfudoh, Siti Mahmudah Maimun, Nur Mardhotillah, Mai'syah Mardiyah Hayati Mardiyanti, Yanti Maria Ulfah Marlina, Latifah Mas Nur Mukmin Maulana, Irsyad Mayrany, Sri Eva Mella Katrinasari Meti Ekayani Milad, Mohammad Khusnu Mu'in, Fathul MUHAMMAD ALI Muhammad Ichsan Mukhlishin, Mukhlishin Mustika Widowati Mustika Widowati, Mustika Muttaqien, Zedi Nanang Supriadi Nandang Alamsah Deliarnoor Nasution, Fadli Ripai Neneng Yani Yuningsih Norliani Norsari, Devi Novianti Novianti Nugraha, Muhammad Ardi Nur Aisyah Suparni Nur Maziyah Ulya, Nur Maziyah Nurdianti, Dewi Nurhaeni Nurhaeni Nurhayati Al Ismiarif Nurhayati Nurhayati Nurhayati, Elis Nurmalahayati, Yasinta Nurul Huda Nusmiyati, Nusmiyati Oktarina, Devi Pahrul, Yolanda Pomalingo, Dewi Zulyani Pratama, Inka Nusamuda Primasari, Shinta Puspandari, Maristha Rio Putra, Guntur Ilman Putri, Alifia Tiara Putri, Dinda Maharani Rahmah, Farisa Rahmat, Al Fauzi Rahmi Wahyuni, Rahmi Ridwan, Ridwan Ritonga, Muhammad Ali Sukri Rizani, Loqman Rizka Rizka, Rizka Rizki Wahyu Yunian Putra Rokhmania Nurmaeni Romadhon, Hindun Mutiara Rowanda, Okta Destra S, Nurjannah Saddam Saddam Safitri, Zainal Safri, Zainal Sahrul, Sahrul Saidah Salahudin Salahudin Samhudi, Moh. Saniman Widodo Saputra, Rengki Sari , Muthia Sari, Erlina Sari, Mella Katrina Sari, Muthia Sari, Tri Purnama Sarip, Sarip Sa’adiyah, Halimah Shofiana, Aulia Nanda Shofwani, Siti Aniqoh Siregar, Tapi Rumondang Siregar, Tuti Sriwahyuni Siti Aminatun Jazila Siti Hajar Solihin, Dadin Sopa, Juana Soraya, Fitri Sri Hardiningsih Sri Hidayati Sri Yanti Suci Rahmadani Suhaeti, Eti Suhailin Supriyadi, Adi Suryani Sri Lestari Susi Herawati Syafril Syafril Syafrina, Riska Nur Syafruddin Syafruddin Syahril Chaniago, Syahril Syamnur, Rizka Amelia Thamrin Kamaruddin, Thamrin Titik Wahyuningsih Tri Handayani Warnadhani, Etmin Wen Via Trisna Widiyawati, Erli Widodo, Saniman Wijatono, Setia YANTO SANTOSA Yona, Fitria Mai Yuliawati, Lia Yundari, Yundari Yuni, Veronika Yusanti, Yuniar