Dampak Pandemi Covid-19 Terhadap Stabilitas Profit Efficiency Perbankan Syariah Indonesia
-
Ahmad - Rivai
*
Universitas Mahkota Tricom Unggul, Medan,
Indonesia
- Syachrul Wahyudi Universitas Islam Negeri Sumatera Utara, Medan, Indonesia
- M. Shabri Abd. Majid Universitas Syiah Kuala, Banda Aceh, Indonesia
- Marliyah Marliyah Universitas Islam Negeri Sumatera Utara, Medan, Indonesia
- Rita Handayani Universitas Islam Negeri Sumatera Utara, Medan, Indonesia (*) Corresponding Author
Abstract
This research aims to investigate the impact of the COVID-19 pandemic on the stability of profit efficiency in Indonesian Islamic banking. The analysis used is quantitative by using Stochastic Frontier Analysis (SFA) as a method for estimating the profit efficiency of Islamic Commercial Banks (BUS) and Sharia Business Units (UUS) before and during the COVID-19 pandemic. The data used is secondary data for BUS and UUS in the period January 2018 to August 2021. From this research it was found that the overall phenomenon of Indonesian Islamic banking has a higher level of profit efficiency during the COVID-19 pandemic than before the pandemic. Partially, UUS has a higher level of profit efficiency than BUS before and during the COVID-19 pandemic. In terms of stability, it also shows the same phenomenon, UUS has higher stability than BUS in generating profits both before and during the COVID-19 pandemic. In this study, it was also found that Total deposit and Non-Performing Financing act as significant determinant factors for the stability of profit efficiency of BUS and UUS. The results of this study further strengthen the existence of Indonesian Islamic banking in the future in facing times of economic and financial crisis
Downloads
References
Abdul Rahman, A. R., & Rosman, R. (2013). Efficiency of Islamic Banks: A Comparative Analysis of MENA and Asian Countries. Journal of Economic Cooperation and Development, 34(1), 63–92.
Ahmadzai, H. (2017). Crop diversification and technical efficiency in Afghanistan: Stochastic frontier analysis.
Ascarya, & Yumanita, D. (2008). Comparing The Efficiency of Islamic Banks in Malaysia and Indonesia. Buletin Ekonomi Moneter Dan Perbankan, 11(2), 95–119. https://doi.org/https://doi.org/10.21098/bemp.v11i2.237
Baten, M. A., & Kamil, A. A. (2011). A stochastic frontier model for measuring online bank profit efficiency. South African Journal of Business Management, 42(3), 49–60. https://doi.org/10.4102/sajbm.v42i3.499
Baten, M. A., Kasim, M. M., & Rahman, M. (2015). Cost and profit efficiency of online banks: Do national commercial banks perform better than private banks. Journal of Internet Banking and Commerce, 20(3). https://doi.org/10.4172/1204-5357.1000138
Coelli, T. J. (1996). A Guide to FRONTIER Version 4.1: A Computer Program for Stochastic Frontier Production and Cost Function Estimation.
Coelli, T. J., & Battese, G. E. (1995). A Model for Technical Inefficiency Effects in a Stochastic Frontier Production Function for Panel Data. Empirical Economics, 20, 325–332.
Coelli, T. J., Prasada Rao, D. S., O’Donnell, C. J., & Battese, G. E. (2005). An introduction to efficiency and productivity analysis. In An Introduction to Efficiency and Productivity Analysis (Second). https://doi.org/10.1007/b136381
Fatmala, E., Hakim, D. B., & Anggraeni, L. (2019). Efisiensi dan Produktivitas Perbankan Sebelum dan Setelah Krisis Keuangan. Jurnal Aplikasi Bisnis Dan Manajemen, 5(2), 200–209. https://doi.org/10.17358/jabm.5.2.200
Hanen, H., Emrouznejad, A., & Ouertani, M. N. (2014). Technical efficiency determinants within a dual banking system: A DEA-bootstrap approach. International Journal of Applied Decision Sciences, 7(4), 382–404. https://doi.org/10.1504/IJADS.2014.065223
Havidz, S. A. H., & Setiawan, C. (2015). Bank Efficiency and Non Performing Financing (NPF) in The Indonesian Islamic Banks. Asian Journal of Economic Modelling, 3(3), 61–79. https://doi.org/10.18488/journal.8/2015.3.3/8.3.61.79
Ismail, F., Abd. Majid, M. S., & Ab. Rahim, R. (2013). Efficiency of Islamic and conventional banks in Malaysia. Journal of Financial Reporting and Accounting, 11(1), 97–107. https://doi.org/10.1108/JFRA-03-2013-0011
Kementerian-Kesehatan-Republik-Indonesia. (2021). Laporan Mingguan COViD-19 24-30 Juli 2021. In Situasi Nasional. Retrieved from http://www.kemkes.go.id
Kumbhakar, Subal C. Knox Lovell, C. A. (2004). Stochastic Frontier Analysis. Cambridge: Cambridge University Press.
Maulidiyah, H., & Laila, N. (2016). Membandingkan Efisiensi Bank Syariah di Indonesia dan Malaysia dengan Metode Data Envelopment Analysis (DEA). Jurnal Ekonomi Syariah Teori Dan Terapan, 3(4), 333–345.
Mezzi, N. (2018). Efficiency of Islamic banks and role of governance: empirical evidence. Managerial Finance, 44(5), 590–603. https://doi.org/10.1108/MF-05-2017-0171
Mohamad, S., Hassan, T., & Bader, M. K. I. (2008). Efficiency of Conventional versus Islamic Banks : International Evidence using the Stochastic Frontier Approach ( SFA ). Journal of Islamic Economics, Banking and Finance.
Mohamed, E. Ben, Meshabet, N., & Jarraya, B. (2021). Determinants of technical efficiency of Islamic banks in GCC countries. Journal of Islamic Accounting and Business Research, 12(2), 218–238. https://doi.org/10.1108/JIABR-12-2019-0226
OJK - Otoritas Jasa Keuangan. (2021a). Snapshot Perbankan Syariah Indonesia 2020. Retrieved from https://www.ojk.go.id/id
OJK - Otoritas Jasa Keuangan. (2021b). Statistik Perbankan Syariah. Retrieved from https://www.ojk.go.id
Rahmi, H., & Putri, D. Z. (2019). Analisis Efisiensi Perbanmkan Syariah Selama Krisis Global di Indonesia. Jurnal Kajian Ekonomi Dan Pembangunan, 1(1), 321–330.
Rosman, R., Wahab, N. A., & Zainol, Z. (2014). Efficiency of Islamic banks during the financial crisis: An analysis of Middle Eastern and Asian countries. Pacific-Basin Finance Journal, 28, 76–90. https://doi.org/10.1016/j.pacfin.2013.11.00
Rosmanidar, E., Azam, A. A., & Ahsan, M. (2021). Islamic Banking Performance Measurement : A Conceptual Review of Two Decades. International Journal of Islamic Banking and Finance Research, 5(1), 16–33.
Rusmita, S. A., & Putri, D. A. (2020). Indonesian Islamic Commercial Banks’ Efficiency A Stochastic Frontier Analysis. Shirkah: Journal of Economics and Business, 5(3), 386–410. https://doi.org/10.225.15/shirkah
Saeed, M., & Izzeldin, M. (2014). Examining the relationship between default risk and efficiency in Islamic and conventional banks. Journal of Economic Behavior and Organization. https://doi.org/10.1016/j.jebo.2014.02.014
Wahab, W. (2015). Analisis Faktor-Faktor yang Mempengaruhi Efisiensi Bank Umum Syariah di Indonesia dengan Pendekatan Two Stage Stochastic Frontier Approach (Studi Analisis di Bank Umum Syariah). Economica: Jurnal Ekonomi Islam, 6(2), 57–76. https://doi.org/10.21580/economica.2015.6.2.794
Yahya, M. H., Muhammad, J., & Hadi, A. R. A. (2012). A comparative study on the level of efficiency between Islamic and conventional banking systems in Malaysia. … Journal of Islamic and Middle …. https://doi.org/10.1108/17538391211216820
Bila bermanfaat silahkan share artikel ini
Berikan Komentar Anda terhadap artikel Dampak Pandemi Covid-19 Terhadap Stabilitas Profit Efficiency Perbankan Syariah Indonesia
Pages: 322-328
Copyright (c) 2022 Ahmad - Rivai, Syachrul Wahyudi, M. Shabri Abd. Majid, Marliyah Marliyah, Rita Handayani
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (Refer to The Effect of Open Access).
