Improving The Islamic Banks Competitiveness Through Efficiency

Islamic Economics Methodology Pub Date : 2022-11-20 DOI:10.58968/iem.v1i1.100

I. Firmansyah

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引用次数: 1

Abstract

The Islamic banking industry is one of the important factors in economic development so it must have competitiveness to be able to win the competition. Therefore, to have strong competitiveness, the efficiency level of Islamic banks must continue to be optimized. This study aims to determine the efficiency level of Islamic banks and find the factors that influence it by considering internal and external factors. The results showed that only 14.42% of Islamic banks had experienced optimal efficiency even though this study found that efficiency had a positive effect on increasing competitiveness. Important variables that can improve efficiency are age and liquidity. Besides, the board of commissioners also provides its role in managing the level of liquidity to achieve optimal efficiency, but does not play a good role in long-standing banks. In contrast to the sharia supervisory board that has succeeded in carrying out its functions in banks that have long existed to improve efficiency, and vice versa does not play a role in strengthening the level of liquidity to increase efficiency. From external factors, gross domestic product is proven to weaken the relationship between age and liquidity with efficiency.

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以效率提升伊斯兰银行竞争力

伊斯兰银行业是经济发展的重要因素之一，必须具备竞争力才能在竞争中取胜。因此，伊斯兰银行要想拥有强大的竞争力，必须不断优化效率水平。本研究旨在综合考虑内部和外部因素，确定伊斯兰银行的效率水平，并找出影响其效率水平的因素。结果显示，尽管本研究发现效率对提高竞争力有积极作用，但只有14.42%的伊斯兰银行达到了最佳效率。可以提高效率的重要变量是年龄和流动性。此外，监事会也提供了管理流动性水平以达到最优效率的作用，但在老牌银行中并没有发挥很好的作用。相比之下，伊斯兰教法监事会在银行中成功地履行了其长期存在的提高效率的职能，反之亦然，在加强流动性水平以提高效率方面没有发挥作用。从外部因素来看，国内生产总值被证明会削弱年龄与流动性与效率之间的关系。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Islamic Economics Methodology

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