Abstract
The study aims to analyze the effect of asset diversification, bank risk, and bank size moderated by the ownership structure and board of Commissioners on the level of efficiency in Sharia banking in Indonesia. The study was conducted on 13 Sharia banks with the observation period in 2010–2017. The results of this study found that diversification moderated by ownership structures and the diversification moderated by Shariah Supervisory Boards had no significant influence on bank efficiency, while bank risk measured with NPF ratio (non-performing Finance) had a significant negative influence on the bank’s level of efficiency, and the bank’s total size of the asset had a significant positive influence on the efficiency rate of Sharia banking in Indonesia. R-Square, with a value of 28.65 percent signifies that dependent variables in the study contributed to the efficiency of the bank by 28.65 percent.
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