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Alfu Laila Fiafifah
Departmentof Economics and Development Studies, Faculty of Economics andBusiness, Universitas Diponegoro
Economics, Econometrics & Finance

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TECHNICAL EFFICIENCY LEVEL OF ISLAMIC BANK IN INDONESIA Alfu Laila Fiafifah; Darwanto Darwanto
al-Uqud : Journal of Islamic Economics Vol. 3 No. 2 (2019): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (290.077 KB) | DOI: 10.26740/al-uqud.v3n2.p114-132

Abstract

One of the common measurements used to evaluate a companys performance is the efficiency performance which indicates a companys efficiency score in utilizing inputs to produce outputs. This study aims to evaluate the performance of state-owned Indonesian Islamic banks by measuring their technical efficiency along with the determinant factors of their efficiency over the period 2014-2017. In this study, DEA, a non-parametric technique method, is employed to measure the efficiency of four state-owned Indonesia Islamic banks. Another method, Tobit-regression, is used to identify the determinant factors of their efficiency. Four state-owned Indonesian Islamic banks are chosen as the object of this study, namely Bank Syariah Mandiri, BNI Syariah , Bank Rakyat Indonesia Syariah, and BTN Syariah. The results of calculation using DEA methos show that the average efficiency level of all state-owned Indonesian Islamic banks over four consecutive yerars is 100%. It means that all the state-owned Indonesian Islamic banks operating in Indonesia have been able to optimize all their resources and are considered efficient over the period 2014-2017. Tobit-regression model results show that bank size, capitalization, and profitability significantly affect all state-owned Islamic banks efficiency, while bank expenses do not have a significant effect on their efficiency.
Co-Authors Darwanto Darwanto