ANALISIS TINGKAT EFISIENSI BANK UMUM SYARIAH (BUS) DAN UNIT USAHA SYARIAH (UUS) DI INDONESIA PERIODE 2010-2013
Abstract
Abstract - The performance of islamic banking is through observing the efficiency rate of this bank. Dealing with this phenomena, the main purpose from this research are to determine and analyze technical efficiency rate of islamic banking in Indonesia (study at 6 islamic banks in 2010-2013) which the consist of islamic commercial bank (BUS) and Islamic business unit of a conventional bank (UUS). In analyzing the data, the writer used Data Envelopment Analysis (DEA) method which used input variables (deposit, asset and labor cost) and output variables (financing and operational income). No difference between the efficiency of Islamic banks (BUS) and sharia business unit (UUS) from the 6th Islamic Bank in 2010-2013. BUS and UUS calculation result is the same - the same experience inefficiency. Fixing each input variable and the output variable is the solution to achieve the level of efficiency increase.
Keywords: input, output, BUS, UUS and DEA
Abstrak - Salah satu cara mengetahui kinerja perbankan syariah sendiri dapat dilihat dari tingkat efisiensinya, sehingga penelitian ini bertujuan untuk mengetahui dan menganalisis tingkat efisiensi teknik perbankan syariah di Indonesia (studi pada 6 bank syariah periode 2010-2013) yang terdiri dari bank umum syariah (BUS) dan unit usaha syariah (UUS). Metode analisis yang digunakan dalam penelitian ini adalah metode Data Envelopment Analysis (DEA), di mana variabel yang digunakan terdiri dari input (asset, simpanan, dan biaya tenaga kerja) dan ouput (pembiayaan dan pendapatan operasional). Tidak terdapat perbedaan efisiensi antara bank umum syariah (BUS) dan unit usaha syariah (UUS) dari ke-6 Bank Syariah periode 2010- 2013. hasil perhitungan BUS dan UUS tersebut sama - sama mengalami in-efisiensi. Memperbaiki masing-masing variabel input maupun variabel output merupakan solusi dalam mencapai tingkat efisinsi.
Kata Kunci: input, output, BUS, UUS, DEA
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References
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