EFISIENSI PERBANKAN SYARIAH PDF

EFISIENSI PERBANKAN SYARIAH PDF
EFISIENSI PERBANKAN SYARIAH PDF!

The purpose of this study is as a basis for policy making parties concerned, especially Bank Indonesia and Islamic Banks in Indonesia on assessment. Analisis Efisiensi Perbankan Syariah Di Indonesia Pascakrisis Finansial Global Dengan Pendekatan Data Envelopment Analysis (DEA). Faisol, Ahmad. KOMPARATIF EFISIENSI PERBANKAN SYARIAH DAN PERBANKAN KONVENSIONAL DI INDONESIA. Imron Rosyadi, Fauzan Fauzan.


EFISIENSI PERBANKAN SYARIAH PDF

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EFISIENSI PERBANKAN SYARIAH PDF


This finding is in line with Firdaus and Hossen's study, finding that there is negative significant effect of fixed asset efisiensi perbankan syariah efficiency, meaning that the more the fixed asset a bank has, the more inefficient is the bank in managing the resource it has.

Analisis Efisiensi Perbankan Syariah Di Indonesia Periode 2000-2010

It is because sharia-compliant efisiensi perbankan syariah banks in Indonesia have not reached economies of Scale yet and the increase in fixed asset number such as new branch opening or in ATM machine number will increase only the cost spent by sharia-compliant public bank.

It is also consistent with potential improvement of DEA result, in which to achieve an efficient condition, a sharia-compliant bank should decrease its surplus fixed asset number not used duly to improve the bank's efficiency and performance. The effect of Third Party's fund on efficiency level Considering the result of t-test, Third Party's fund affects significantly the efficiency.

It is in line with Pambuko's study stating that the presence of Third Party's fund allocated to productive asset sector can affect the bank's efficiency.

This indicates that there is a negative significant effect or in other words, the large the amount of Third Party's fund, the more inefficient is the bank in managing the resource it has. Such a condition means that when the Third Party's fund is larger, the bank's ability of changing its resource into productive assets such as costing and portfolio investment becomes inefficient.

It is because the Third Party's fund is high and cannot be distributed well to productive assets, thereby efisiensi perbankan syariah to idle money, so that the bank's performance, in this case, fund allocation efficiency, will decrease.

For that reason, Third Party's fund should be allocated efficiently to other sectors in order to improve the bank's efficiency. It is also in line with the potential improvement in DEA result, in which to achieve an efficient condition, sharia-compliant bank should reduce the Third Party's fund that can result in efisiensi perbankan syariah money, and should also increase the fund distributed and the investment in bonds obligations.

Analisis Efisiensi Perbankan Syariah Di Indonesia Periode

The effect of labour cost on efficiency level Considering the result of t-test, labour cost affects significantly the efficiency.

It is in line with Dewi, Negoro and Rahmawati's study finding that there is a company's tendency to spend substantial labour cost, particularly in banking company that can affect the company's efficiency.

In its implementation, the bank should usually allocate the fund for human resource development through education and training aiming to optimize the human resource potency in the bank. Human resource becomes the most important indicator that can contribute most considerably to a bank's financial performance, efisiensi perbankan syariah its efficiency.

When the bank spends labour cost of 50 percent, the improved bank performance can be seen from the increased income or the good fund distribution performance; therefore, it can be said that labour cost spent has been efficient to result in the bank's best performance.

However, the expensive investment spent by the bank is sometimes not comparable to the result return the bank receives in this case, there is no improved performance so that the bank encounters inefficiency in labour cost aspect. It is also consistent with the potential improvement resulting from DEA, in which to achieve an efficient condition, sharia-compliant banks should decrease the excessive amount of labour cost inconsistent with the target, in order to focus more on the human resource development that can improve the bank's efficiency or performance.

The effect of other revenues on efficiency level Considering the result of t-test, other revenues affect significantly the efficiency.

Efisiensi Dan Stabilitas Bank Umum Syariah Di Indonesia | Rusydiana | Akuntabilitas

It is in line with Pambuko's study, finding that the increased revenue affects the efficiency of the bank. This study showed that there is a positive significant effect, or in other words, the higher the amount of other revenuers the bank receives, the more efficient is the bank in allocating the profit to other sector.

Besides that, financing is the most influence factor to the efficiency of Islamic banks in Indonesia. As the basic implication of this study are: While the output used was the total financing, and revenue sharing. efisiensi perbankan syariah

Analisis Efisiensi Perbankan Syariah Di Indonesia Periode

There are 2 two efisiensi perbankan syariah which are used in this study, namely non-parametric method of Efisiensi perbankan syariah Envelopment Analysis DEA on the first stage and Tobit model on the second stage. Overall, the results, show that the efficiency level of Islamic banks in Indonesia during the time period in this study, have not yet reach the optimum level of efficiency.

Measuring the Efficiency of Desicion Making Units. European Journal of Operational Research, A and Razak, S. April Kuala Lumpur Malaysia. Islamic Economic Studies Vol.

EFISIENSI PERBANKAN SYARIAH PDF

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