KOMPARASI EFISIENSI TEKNIS BANK UMUM KONVENSIONAL (BUK) DAN BANK UMUM SYARIAH (BUS) DI INDONESIA DENGAN METODE DATA ENVELOPMENT ANALYSIS (DEA)

Abstract

The Comparation of Technical Efficiency Between Conventional Banks and Islamic Banks in Indonesia Using DEA Method. This research is to compare the levels of technical efficiency between BUK and BUS by employing non-parametric Data Envelopment Analysis (DEA). This research assigns Third Party Funds, Labor Expenses and Fixed Assets which are input variable, meanwhile Total Credit and Other Incomes are determined as Output Variables. This research also examines the Profitability of BUK and BUS by Using Panel Regression Model with CAR, LDR, NPL and BOPO as independent variables, where ROA and ROE are dependent variables. The result showed that the average technical efficiency of the Conventional Banks is better than that of the Islamic Banks. That is because of the inefficient utilization of Input Variables, namely Third Party Funds, Labor Expenses and Fixed Assets in the Islamic Banks. Abstrak: Komparasi Efisiensi Teknis Bank Umum Konvensional dan Bank Umum Syariah di Indonesia Dengan Metode DEA. Penelitian ini bertujuan untuk membandingkan efisiensi teknis Bank Umum Konvensional dan Bank Umum Syariah. Penelitian ini menggunakan Non-Parametrik Data Envelopment Analysis dengan pendekatan intemediasi. Variabel inputnya DPK, Biaya Tenaga Kerja dan Harta Tetap. Variabel Outputnya Total kredit dan Pendapatan Lainnya. Selain itu diukur juga Profitabilitasnya dengan metode Regresi Panel. Variabel Independennya, CAR, LDR, NPL dan BOPO, Variabel Dependennya ROA dan ROE. Hasil yang ada menunjukkan bahwa Bank Umum Konvensional secara rata-rata memiliki efisiensi teknis yang lebih baik dari Bank Umum Syariah. Hal ini dikarenakan inefisiensi dalam penggunaan variabel input, seperti dana pihak ketiga, biaya tenaga kerja, dan aset tetap di Bank Syariah.