PERBANDINGAN TINGKAT EFISIENSI DAN PRODUKTIVITAS BANK SYARIAH DI INDONESIA DAN UNI EMIRAT ARAB

    Muhammad Bagus Kuncoro Zito, - and A Jajang W. Mahri, - and Suci Apriliani Utami, - (2025) PERBANDINGAN TINGKAT EFISIENSI DAN PRODUKTIVITAS BANK SYARIAH DI INDONESIA DAN UNI EMIRAT ARAB. S1 thesis, Universitas Pendidikan Indonesia.

    Abstract

    Pandemi COVID-19 memberikan dampak signifikan terhadap perekonomian global, kondisi ini memicu resesi termasuk pada sektor perbankan syariah Indonesia. Dampak negatif terlihat pada penurunan Return on Assets (ROA) dan Net Operating Margin (NOM), serta terganggunya kinerja pembiayaan dan distribusi dana perbankan di Indonesia. Penelitian ini bertujuan untuk menganalisis dan membandingkan tingkat efisiensi serta perubahan produktivitas bank umum syariah di Indonesia dan UEA selama periode 2021-2024. Pendekatan penelitian yang digunakan adalah kuantitatif dengan desain deskriptif-komparatif. Teknik analisis yang digunakan pada penelitian ini adalah Data Envelopment Analysis (DEA), Malmquist Productivity Index (MPI) dan uji beda (Mann-Whitney). Variabel input yang digunakan adalah biaya pegawai, biaya tetap, dan jumlah simpanan dan variabel output adalah jumlah pembiayaan, pendapatan operasional, dan aset likuid. Penelitian ini menggunakan data sekunder berupa laporan keuangan tahunan bank umum syarih periode 2021-2024 pada kedua negara. Hasil penelitian menunjukkan bahwa bank syariah di UEA secara konsisten mencapai efisiensi teknis yang sempurna, sementara bank syariah di Indonesia menunjukkan tingkat efisiensi yang tinggi namun lebih heterogen dan belum optimal dengan perbedaan efisiensi yang signifikan. Penelitian ini merekomendasikan peningkatan efisiensi manajerial, mendorong kebijakan pro-kompetisi, dan memfasilitasi transfer pengetahuan internasional untuk memperkuat daya saing industri. The COVID-19 pandemic has had a significant impact on the global economy, triggering a recession that has also affected the Islamic banking sector in Indonesia. The negative impact can be seen in the decline in Return on Assets (ROA) and Net Operating Margin (NOM), as well as the disruption of financing and distribution of banking funds in Indonesia. This study aims to analyze and compare the efficiency levels and changes in productivity of Islamic commercial banks in Indonesia and the UAE during the period 2021-2024. The research approach used is quantitative with a descriptive-comparative design. The analysis techniques used in this study are Data Envelopment Analysis (DEA), Malmquist Productivity Index (MPI) and Mann-Whitney test. The input variables used are employee costs, fixed costs, and total deposits, while the output variables are total financing, operating income, and liquid assets. This study uses secondary data in the form of annual financial reports of Islamic commercial banks for the period 2021-2024 in both countries. The results indicate that Islamic banks in the UAE consistently achieve perfect technical efficiency, while Islamic banks in Indonesia show high but more heterogeneous efficiency levels that are not yet optimal, with significant differences in efficiency. This study recommends improving managerial efficiency, encouraging pro-competition policies, and facilitating international knowledge transfer to strengthen the industry's competitiveness.

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    Official URL: https://repository.upi.edu/
    Item Type: Thesis (S1)
    Additional Information: https://scholar.google.com/citations?view_op=new_profile&hl=id SINTA ID: 5993287 SINTA ID: 6006385
    Uncontrolled Keywords: Bank Syariah, Data Envelopment Analysis, Efisiensi, Malmquist Productivity Index, Produktivitas, Data Envelopment Analysis, Efficiency, Islamic Bank, Malmquist Productivity Index, Productivity
    Subjects: H Social Sciences > HB Economic Theory
    L Education > L Education (General)
    Divisions: Fakultas Pendidikan Ekonomi dan Bisnis > Ilmu Ekonomi dan Keuangan Islam
    Depositing User: Muhammad Bagus Kuncoro Zito
    Date Deposited: 28 Sep 2025 14:07
    Last Modified: 28 Sep 2025 14:07
    URI: http://repository.upi.edu/id/eprint/140782

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