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All Journal Jurnal Ekonomi Syariah Teori dan Terapan Islamic Economics and finance in Focus (IEFF)
Aji Purba Trapsila
Unknown Affiliation
Religion Economics, Econometrics & Finance Social Sciences

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An Analysis of Efficiency and Productivity Changes in Indonesian Islamic Banks During 2018-2023: A Dea-Malmquist Index Approach Pramestya, Shri Embun Rinjani Kasih; Aji Purba Trapsila
Islamic Economics and finance in Focus Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2025.04.3.06

Abstract

This study analyzes the efficiency and productivity of Indonesian Islamic banks from 2018 to 2023 using Data Envelopment Analysis (DEA) and Malmquist Index. Results show fluctuations in operational efficiency and productivity growth, influenced by external factors like the COVID-19 pandemic and technological progress. Despite increasing total assets, some years experienced efficiency declines, indicating internal management challenges. Technological innovation significantly boosts productivity, but internal inefficiencies persist post-pandemic. The study recommends adopting advanced technology, digital transformation, and continuous efficiency evaluation to enhance competitiveness. Strengthening regulation for risk management and innovation is also essential. Limitations include reliance on secondary financial data, focus on specific financial metrics, and a relatively short observation period, which restrict comprehensive long-term trend analysis amid external uncertainties.
Mudarabah vs Musharakah: Which Profit Loss Sharing Scheme Poses Greater Financing Risk? Pramudita, Tita Hesti; Aji Purba Trapsila
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 12 No. 4 (2025): November-2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol12iss20254pp455-471

Abstract

Existing literature generally only discusses the impact of Profit and Loss Sharing (PLS)-based financing in general on the financing risk of Islamic banks. This study conducts a more in-depth analysis by separating PLS into two main schemes, namely Mudarabah and Musharakah, to explore the differences in risk levels between the two. The data used comes from the annual reports of 7 Islamic Commercial Banks in Indonesia during the 2019-2023 period, which were analyzed using panel data regression methods. The results show that Mudarabah financing is not riskier than Musharakah. Specifically, Mudarabah financing has no significant effect on financing risk, while Musharakah financing shows a positive and significant effect on increasing financing risk. These findings have important implications for Islamic bank risk management in allocating financing based on the PLS scheme.
Co-Authors Pramestya, Shri Embun Rinjani Kasih Pramudita, Tita Hesti