Abstract
Efficiency is one of the performance parameters that are theoretically is one of the underlying performance of the overall performance of an organization. Efficiency in the banking sector is one of the performance parameters are quite popular, widely used because it is a response to the difficulties in calculating measures of bank performance. Measurement of the efficiency of banking can be done with the development of non-parametric statistical model by using Data Envelopment Analysis (DEA). In general, there are three approaches to the basic concepts of financial sector efficiency model that is cost efficiency, standard profit efficiency and alternative profit efficiency. In this research method used is the Data Envelopment Analysis (DEA). In this method, profit is modeled to deviate from its efficient frontier profit due to random noise and inefficiency. Profit in this method is affected by the function of input and output, while input and output used in this study is the Third Party Funds, Capital paid, placements with Bank Indonesia. By using this method the efficiency of Islamic banking DEA during 2012 to 2015 experienced an annual average efficiency of 94.37% and profit Islamic banking is heavily influenced by the financing facilities and placements with Bank Indonesia.
Highlights
Efficiency is one of the performance parameters that are theoretically is one of the underlying performance of the overall performance of an organization
because it is a response to the difficulties in calculating measures
Measurement of the efficiency of banking can be done with the development of non-parametric statistical model
Summary
Efisiensi merupakan rasio antara output dan input, dan perbandingan antara masukkan dan keluaran. Teori konsumen mencoba untuk memaksimumkan kegunaan atau kepuasan dari sudut pandang individu, sedangkan teori produsen mencoba untuk memaksimumkan keuntungan atau meminimumkan biaya dari sudut pandang produsen.Pada teori ekonomi terdapat dua jenis efisiensi, yaitu efisiensi teknik (technical efficiency) dan efisiensi ekonomi (economic efficiency). Seperti halnya perusahaan juga merupakan tolak ukur dalam mengukur kinerja bank. Sedangkan menurut Haseeb Shahid et al (2010:25), efisiensi perbankan syariah didefinisikan sebagai perbedaan antara jumlah variabel input dan output yang diamati dengan variabel input dan output yang optimal. Efisiensi industri perbankan syariah dapat ditinjau dari sudut pandang mikro maupun makro (Berger dan Mester, 1997 dalam Zaenal Abidin dan Endri, 2009:21). Dalam suasana persaingan yang semakin ketat sebuah bank syariah agar bisa bertahan dan berkembang harus efisien dalam kegiatan operasionalnya. Pengukuran Efisiensi Ada tiga jenis pendekatan pengukuran efisiensi khususnya perbankan, yaitu:
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