Analisis Technical Efficiency Bank Umum Syariah Dengan Metode Stochastic Frontier Analysis

Abstract

Pertumbuhan yang pesat dari industri perbankan syariah mendorong adanya peningkatan kualitas seiring bertambahnya kuantitas bank syariah di Indonesia. Penjagaan kualitas penting bagi bank syariah karena bergerak atas landasan kepercayaan. Efisiensi merupakan salah satu parameter untuk mengukur kinerja bank syariah. Penelitian ini mengukur tingkat Technical Efficiency Bank Umum Syariah dengan metode Stochastic Frontier Analysis selama periode 2010-2015. Dengan menggunakan 11 sampel Bank Umum Syariah dan Variabel Input Total Simpanan, Biaya Operasional, Biaya Operasional Lainnya. Variabel Output yaitu Total Pembiayaan. Hasil penelitian ini menunjukan Bahwa Total Simpanan dan Biaya Operasional berpengaruh positif dan signifikan terhadap Total Pembiayaan. Sementara, Biaya Operasional Lainnya berpengaruh negatif terhadap Total Pembiayaaan. Secara rerata skor Technical Efficiency Bank Umum Syariah selama periode observasi sebesar 0,743. The rapid growth of sharia banking industry boosts the quality improvement as the increase of sharia banking quantity in Indonesia. The quality control is important for sharia banks since they move based on society trust. Efficiency is one of the parameters to measure sharia banking performance. This research measured the technical efficiency level of Sharia Commercial Bank (Bank UmumSyariah) using Stochastic Frontier Analysis method for 2010-2015 periods. By using 11 Sharia Commercial Bank samples and total deposits input variable, operating cost, and other operating costs. The output variable was total financing. The result of this research showed that the total deposits and operating cost had positive and significant effects on total financing. On the other hand, the other operating costs had negative effects on total financing. In average, the technical efficiency of Sharia Commercial Bank during the observation period was 0.743