ANALISIS PERBANDINGAN TINGKAT EFISIENSI BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH DI INDONESIA DENGAN MENGGUNAKAN METODE STOCHASTIC FRONTIER ANALYSIS (SFA) PERIODE 2014-2016

Abstract

ABSTRACT
The purpose of this study was to examine whether the Total Deposits,
Operational costs, and other Operations costs affect the Total Financing and to
find out the analysis of the efficiency level of the Sharia Commercial Banks and
Sharia Business Units. The type of research used is quantitative to analyze the
analysis comparing the level of efficiency of Islamic Commercial Banks and
Sharia Business Units in Indonesia through using the Stochastic Frontier Analysis
(SFA) rule for the period 2014-2016. Based on the results of the sample criteria,
there were 11 companies sampled in the study including 5 Islamic Business
Enterprises (BUS) and 6 Sharia Business Units (UUS).
The results of the study used SFA indicated "that during the period 2014-
2016 BUS and UUS experienced an increase in efficiency with an average
efficiency of 0.729 for BUS and for UUS 0.7382. This shows that UUS in
Indonesia is slightly better than BUS in terms of efficiency, so that UUS is more
optimal in the level of total financing in the 2014-2016 period ". The average
efficiency of BUS and UUS ranges from 0.7 indicating that BUS and UUS in
Indonesia have reached the level of efficiency even though they have not reached
full efficiency level or 1. From the results of the panel testing hypotheses about
the input variables on the BUS and UUS output variables obtained results Total
deposits have a positive and significant effect on total financing while operating
costs and other operational costs negatively affect the significance of total
expenditure. The assumption is made while the different test using the
Independent Sample t-test shows that there is a lack of efficiency level between
UUS and BUS.
Keywords: Efficiency, Stochastic Frontier Analysis (SFA), Islamic Commercial
Bank (BUS), Sharia Business Unit (UUS)