ANALISIS EFISIENSI TEKNIS DAN SKALA EKONOMI INDUSTRI PERBANKAN SYARIAH DI INDONESIA

Authors

  • Fitriningsih Amalo

DOI:

https://doi.org/10.22219/jmb.v2i2.1701

Abstract

Fitriningsih Amalo
Universitas Muhammadiyah Kupang
E-mail: ithyamalo@yahoo.com

ABSTRACT

This study aimed to measure the extent of technical efficiency of Islamic banking industry, analyzing
potential improvements composition of input and output, determine the source of technical efficiency,
and to know the position of economies of scale. The analysis technique used Data Envelopment
Analysis (DEA). The determination of input and output used the intermediation approach. The variables
inputs are namely deposits, fixed assets, labour costs, and outputs (financing). Sampling technique
is purposive sampling. Sample size are 18 banks the period 2007-2010. The results showed
that the technical efficiency of Islamic banking industry experienced volatile growth, the average
technical was not efficient (inefficiency). The efficient scored are namely DKI Bank (2007), Bank of
East Java (2007), Bank of West Kalimantan (2007), Permata Bank (2008-2009), and Bank of west
Java (2010). The sources of technical inefficiency in the Indonesian Islamic banking industry was
from the input and output variables. The potential improvements should be done by the bank to
optimize the use of inefficient input for maximizing output. Technical efficiency value was dominated
by pure technical efficiency while low scale efficiency and economies of scale position of Islamic
banking industry in Indonesia. During the period of observation shows the constant Condition Return
to Scale (CRS) four banks, Decreasing Return to Scale (DRS).The condition of the banks Increasing
Return to Scale (IRS) were 13 banks. This condition means that the increase in output will be
followed by lower costs.

Keywords: Technical Efficiency, Economies of Scale, Islamic Banking Industry, Data Envelopment
Analysis.

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Published

2014-02-15

Issue

Vol. 2 No. 2 (2012): October

Section

Articles

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