Tingkat Efisiensi Perbankan Konvensional dan Perbankan Syariah di Indonesia

Abstract

This research aimed to analyze and compares the technical efficiency of 11 Islamic and 38 Conventional banks over the period 2012 to 2013 in Indonesia. A DEA method is applied to measure the efficiencies of both the kinds of the banking under Constant Return to Scale (CRS) approach and input oriented. The intermediary approach was used to choose the input and output variables, because the first function of bank is as financial intermediation institution. This study is also used the Mann-Whitney test to analyze the efficiency score difference of each bank. The result of analysis using DEA model shows that during the observation period, the efficiency of conventional and Islamic banks was fluctuating, but overall conventional banks is better than the Islamic banks in efficiencies scores. The Mann-Whitney test explains that there is significant difference in mean efficiencies scores of conventional and Islamic banks during the research period.