Afrisal, Reza (2015) Determinan Efisiensi Bank Syariah Di Indonesia Berdasarkan Data Envelopment Analysis (Dea). Sarjana thesis, Universitas Brawijaya.
Abstract
Penelitian ini bertujuan untuk mengukur efisiensi teknis bank syariah di Indonesia dan menganalisis determinannya yang meliputi ukuran, tingkat kesehatan, profitabilitas, dan non-performing finance. Sampel penelitian ini sebanyak 33 bank terdiri dari Bank Umum Syariah (BUS) dan Unit Usaha Syariah (UUS) yang telah beroperasi di Indonesia dalam periode 2011-2013. Penelitian ini menggunakan Two Stage Data Envelopment Analysis (DEA) untuk mengukur tingkat efisiensi teknis bank syariah. Hasil pengukuran DEA menunjukan rata-rata bank syariah di Indonesia selama periode 2011-2013 masih belum efisien karena bank syariah masih dalam tahap awal pertumbuhan sehingga terjadi kurangnya produksi output. Selain itu hasil penelitian menunjukkan bahwa variabel tingkat kesehatan bank dan non performing financing tidak berpengaruh terhadap tingkat efisiensi bank syariah karena modal hanya digunakan bank untuk memenuhi peraturan bank Indonesia sementara non performing financing lebih banyak dipengaruhi faktor eksternal. Sedangkan variabel ukuran dan profitabilitas berpengaruh positif terhadap tingkat efisiensi bank syariah karena bank besar dan menguntungkan lebih unggul dalam berbagai sumber daya dan kemampuan menyerap teknologi dengan lebih baik.Penelitian ini dapat menjadi pedoman bagi manajemen bank syariah untuk meningkatkan efisiensi bank melalui peluang peningkatan (potential improvement) pada variabel input dan/atau output bank.
English Abstract
This Research Aims To Measure Technical Efficiency Of Sharia Banks In Indonesia And Analyze Its Determinants Including Size,Capital Adequacy Ratio, Profitability, And Non-Performing Financing. Research Samples Were 33banks, Namelybank Umum Syariah (Sharia Bank) And Unit Usaha Syariah (Sharia Business Unit) That Operated In Indonesia From 2011 To 2013. This Research Used Two Stage Data Envelopment Analysis (Dea) To Measure Tecnical Efficiency Of Sharia Bank. The Dea Measurement Results Statedthat Sharia Banks In Indonesia During The Period Of 2011 To 2013 Were Not Efficient Because They Were Still In Early Growth Which Cause Less Production Of Output. Beside That, The Results Of This Research Showed That Capital Adequacy Ratio And Non Performing Financing Did Not Affect Efficiency Level Of Sharia Bank Because Bank’s Capital Was Used To Obey The Bank Indonesia’s Rules And Non Performing Financing Was Mostly Influenced By External Factors. In The Meantime, The Variables Of Size And Profitability Influence Efficiency Level Of Sharia Bank Because Large And Profitbale Banks Have Better Resources And Ability To Use Technology.This Research Results Can Be Used By The Management Of Sharia Bank To Increase Efficiency Level Of Sharia Banks By Creating Potential Improvement On Input And/Or Output Variables
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FE/2015/227/051503214 |
| Subjects: | 600 Technology (Applied sciences) > 657 Accounting |
| Divisions: | Fakultas Ekonomi dan Bisnis > Akuntansi |
| Depositing User: | Budi Wahyono Wahyono |
| Date Deposited: | 11 May 2015 11:27 |
| Last Modified: | 29 Oct 2021 07:51 |
| URI: | http://repository.ub.ac.id/id/eprint/107805 |
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