Analisis Efisiensi Kinerja Bank Syariah Menggunakan Data Envelopment Analysis dan Sharia Maqashid Index

Ilham Hibatullah, Trisiliadi Supriyatno, Irfan Syauqi Beik
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Abstract

This study aims to measure the efficiency of the performance of Islamic banks in Indonesia, Malaysia, Saudi Arabia, Pakistan, United Arab Emirates and Bahrain using the Data Envelopment approach Analysis (DEA) and Sharia Maqashid Index (SMI).This study uses a combination research method. In the first stage, quantitative research is used to measure the efficiency of the performance of 4 Islamic banks from 6 countries in 2018-2020 with the Data Envelopment Analysis (DEA) and Sharia Maqashid Index (SMI) approaches. In the second stage, qualitative methods are used to compare the results of performance measurement along with the appropriate approach to measure the performance of Islamic banks. The results of this study indicate that in the DEA approach, only 2 Islamic banks consistently have perfect efficiency scores (1 or 100%) namely BRI Syariah (Indonesia) and Kuwait House Finance (Bahrain). As for SMI, the 3 Islamic banks with the highest scores were Bank Muamalat Indonesia (39,020), Al Bilad Bank (36,938) and Alinma Bank (35,335) Saudi Arabia. Performance measurement using these two approaches is very well used to assess the performance of Islamic banks from the aspect of profitability and Sharia Maqashid.
本研究旨在利用数据包络分析法(DEA)和伊斯兰教Maqashid指数(SMI)来衡量印度尼西亚、马来西亚、沙特阿拉伯、巴基斯坦、阿拉伯联合酋长国和巴林的伊斯兰银行的绩效效率。本研究采用组合研究方法。在第一阶段,定量研究采用数据包络分析(DEA)和Sharia Maqashid指数(SMI)方法,对来自6个国家的4家伊斯兰银行在2018-2020年的绩效效率进行了衡量。在第二阶段,采用定性方法比较绩效衡量的结果以及适当的方法来衡量伊斯兰银行的绩效。本研究的结果表明,在DEA方法中,只有2家伊斯兰银行始终具有完美的效率得分(1或100%),即BRI伊斯兰银行(印度尼西亚)和科威特金融公司(巴林)。在SMI方面,得分最高的3家伊斯兰银行分别是印度尼西亚Muamalat银行(39020分)、Al Bilad银行(36938分)和沙特阿拉伯Alinma银行(35335分)。利用这两种方法进行绩效评估,很好地从盈利能力和伊斯兰教法的角度来评估伊斯兰银行的绩效。
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