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All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies JEJAK al-Uqud : Journal of Islamic Economics Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Al-Iktisab: Journal of Islamic Economic Law Jurnal Ilmu Perbankan dan Keuangan Syariah Journal of Islamic Economics and Finance Studies Invest Journal of Sharia & Economic Law Etihad: Journal of Islamic Banking and Finance Islamiconomic: Jurnal Ekonomi Islam Nusantara Islamic Economic Journal Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Jurnal Keuangan dan Akuntansi Terapan (KUAT) Margin : Jurnal Bisnis Islam dan Perbankan Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Wealth: Journal of Islamic Banking and Finance Journal of Ekonomics, Finance, and Management Studies Jurnal Ekonomi, Manajemen, Akuntansi
Dhidhin Noer Ady Rahmanto
Universitas Alma Ata Yogyakarta
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Jurnal Ilmu Perbankan dan Keuangan Syariah

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Assessing the Efficiency of Sharia Rural Banks: A Comparative Study Using DEA Frontier Rahmanto, Dhidhin Noer Ady; Maulana, Hardiyansyah; Novi Febriyanti; M. Zidny Nafi’ Hasbi; Tyagita Dianingtyas Sudibyo
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 6 No. 2 (2024)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v6i2.278.127-145

Abstract

The COVID-19 pandemic has negatively impacted various sectors, including health, the economy, and banking, leading to decreased purchasing power, weakened entrepreneurship, and threats to MSMEs. The Sharia Rural Banks (BPRS) complements other Sharia banks in Indonesia by meeting the community's financial needs in accordance with Sharia principles. Efficiency in banking serves as a key indicator to assess bank performance, determining whether a bank is operating effectively. Identifying the factors that influence efficiency in the banking sector is essential. This study employs a quantitative approach with a descriptive design, using secondary data from the BPRS annual financial reports for the first, second, third, and fourth quarters of 2023, obtained from the official OJK website. The research sample includes 20 BPRS in the Central Java and DIY Provinces, all registered with the OJK. The data was processed into input and output variables based on financial balance sheets and profit and loss statements. Analysis was conducted using the DEA Frontier Application with the Variable Return to Scale (VRS) model. Efficiency was measured on a scale from 0 to 1, where a score of 1 or 100% indicates full efficiency. This study, conducted online from May to July 2024, utilized annual financial report data sourced from the Financial Services Authority (OJK). The findings reveal that the average operational efficiency of BPRS in Central Java across the four quarters was 0.881, while in DIY, it was 0.940, indicating that BPRS in DIY demonstrated higher operational efficiency compared to those in Central Java.
Co-Authors Al Adawiyah, Rumaisah Azizah Al Haq Kamal Annas Syams Rizal Fahmi Annisa Rahmawati Putri Dadang Heksaputra Devi Pranatasari Fahmi, Annas Syams Rizal Fauzul Hanif Noor Athief Febriyanti, Novi Feni Nurwiyanti Ilmiah, Dunyati Imas Nurani Islami Irsyad Syaiful Muhammad Irsyad, Syaiful Muhamad Irsyad, Syaiful Muhammad Iva Faizah Jainul Jainul Khoirul Rijal M. Zidny Nafi' Hasbi Marzukoh, Aliyatun Maulana, Hardiyansyah Muhammad Iqbal Fasa Muhammad Joko Umbaran Haris Bahrudin Muhammad Sofa Nasrullah Nasrullah Novi Febriyanti Novi Febriyanti Nur Rohmah Nuzulanita Purbowisanti, Ratih Putri, Sulistiani Arianti Ragil Satria Wicaksana Raja Ela Safira Raja Ela Safira Rijal, Khoirul Safira, Raja Ela Sani, Ageng Asmara Suharto Suharto Sulistiani Arianti Putri Susana Susana Syaiful Muhamad Irsyad Tyagita Dianingtyas Sudibyo Viantina, Anisa Lia Winda Sholikah