El Dinar
Vol 10, No 1 (2022): El Dinar

HOW THE COVID-19 OUTBREAK AFFECT THE EFFICIENCY OF ISLAMIC RURAL BANKS?

Titis Miranti (Fakultas Ekonomi UIN Maulana Malik Ibrahim Malang)
Nur Avni Aulia (Unknown)
Laila Masruro Pimada (Fakultas Ekonomi dan Bisnis Universitas Brawijaya)



Article Info

Publish Date
30 Oct 2022

Abstract

Islamic Rural Banks (BPRS) have an essential function for developing the Micro, Small, and Medium Enterprises (MSME) sector. For the BPRS to exist and not be liquidated, the BPRS needs to maintain its financial efficiency. This study aims to determine the efficiency of a BPRS in East Java. Then, this is to find out what affects the efficiency. Two Stages-Data Envelopment Analysis (DEA) calculate the efficiency. The first stage of data analysis is carried out by assessing the efficiency of the BPRS. The second stage is the analysis of variables that affect efficiency using logistic regression. This analysis also uses the description of the year of the Covid pandemic as a predictor variable. The results of this study found that the BPRS in East Java was categorized as inefficient (inefficiency). However, from the 20 samples used, there are three efficient BPRS based on the average individual BPRS during the 2012-2020 period. Based on logistic regression analysis, it is known that the factors that affect the efficiency of BPRs include Operational Costs and Operating Income, Earning Assets, and the pandemic era.

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Journal Info

Abbrev

eldinar

Publisher

Subject

Other

Description

Adalah jurnal berkala peer-reviewed yang diterbitkan biannually atau setahun dua kali oleh Jurusan Perbankan Syariah, Universitas Islam Negeri Maulana Malik Ibrahim Malang. EL DINAR merupakan sarana komunikasi yang diperuntukkan bagi para peneliti, akademisi, maupun praktisi dalam bidang keuangan ...