Strategi Peningkatan Efisiensi Biaya Pada Bank Umum Syariah Berbasis Stochastic Frontier Approach Dan Data Envelopment Analysis  

Oleh:

Rahmawati, Rafika

Jenis: Article from Journal - ilmiah nasional - terakreditasi DIKTI
Dalam koleksi: Bulletin of Monetary Economics and Banking (ex: Buletin Ekonomi Moneter dan Perbankan) vol. 17 no. 4 (Apr. 2015), page 457-480.
Topik: cost efficiency; Islamic banks; SFA; DEA
Fulltext: BB62457170415.pdf (551.42KB)

Ketersediaan

Perpustakaan Pusat (Semanggi) Nomor Panggil: BB62 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada

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Isi artikel

Entering the ASEAN Economic Community (AEC) in 2015, the Islamic banking in Indonesia is expected to have better performance to compete sustainably with local banks and foreign. The performance of the banks using the cost efficiency approach with a focus on two inputs (cost of fund and cost of labor) and the two outputs (total financing and owned securities). Using Stochastic Frontier Approach (SFA) and Data Envelopment Analysis (DEA) on Islamic Banks during the period of January 2010 to December 2013, the result shows that the level of efficiency of the Islamic banks in Indonesia is not optimal. Our calculation shows different result for both method (SFA and DEA), where the highest efficiency levels using SFA method is Bank Mega Syariah, while with the DEA method is Bank Muamalat Indonesia. Leaving some option of strategies to improve their cost efficiency; this includes increasing their assets, increasing deposits, and cut cost the unnecessarily cost. More strategy includes product innovation, reducing the salary of the board of directors, and put the funds in profitable portfolio. For the authorities, this paper has demonstrated the use of frontier approach as good alternative in assessing the performance of the banks.

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