Analisis Perbandingan Efisiensi Bank Umum Syariah (BUS) dan Unit Usaha Syariah (UUS) dengan Metode Stochastic Frontier Analysis (SFA) Periode 2010-2014
ABSTRACT: Efficiency is a
parameter to measure the performance of a company or banking. This study was
conducted to analyze the efficiency of Islamic banking in Indonesia is made up
of Sharia Commercial Banks (BUS) and Sharia Business Unit (UUS) using SFA (Stochastic
Frontier Analysis).
The population of this research are 12 Sharia Commercial Banks and 22
Sharia Business Unit. Of the population, elected 10 Islamic Banks and 5 Sharia
Business Unit with purposive sampling. Input variables used in this study is the
operational cost, total assets and labor costs. While the output variable used
is total financing. This study uses Stochastic Frontier Analysis (SFA) with the
production function and the intermediation approach. SFA measurement results in
the form of a score of 0-1, when getting close to 1, the more efficient the
bank anyway. Independent sample t-test was used in this study to measure
differences in the level of efficiency of each bank group.
The results showed that in 2010-2014, Islamic banking has increased the
efficiency of each period. The average value of efficiency there is a 0.43994
Sharia Commercial Banks andSharia Business Unit amounted to 0.47654, so that it
can be concluded that the UUSsuperior BUS. The results of hypothesis testing
panel, that the total assets of a significant and positive effect on total
financing, operating costs are not significant and positive effect on total
financing, and labor costs are not significant and negative effect on total financing.
The test results on the independent sample t-test showed that there is no significant
difference between the level of efficiency BUS and UUS.
Keywords: Efficiency,
Stochastic Frontier Analysis (SFA), Sharia Commercial Banks (BUS), Sharia
Business Unit (UUS)
Penulis: Hesti Kustanti,
Astiwi Indriani
Kode Jurnal: jpmanajemendd161381
