ANALISIS EFISIENSI TEKNIS DAN SKALA EKONOMI INDUSTRI PERBANKAN SYARIAH DI INDONESIA
Universitas Muhammadiyah Kupang
This study aimed to measure the extent of technical efficiency of Islamic banking industry, analyzing potential improvements composition of input and output, determine the source of technical efficiency, and to know the position of economies of scale. The analysis technique used Data Envelopment Analysis (DEA). The determination of input and output used the intermediation approach. The variables inputs are namely deposits, fixed assets, labour costs, and outputs (financing). Sampling technique is purposive sampling. Sample size are 18 banks the period 2007-2010. The results showed that the technical efficiency of Islamic banking industry experienced volatile growth, the average technical was not efficient (inefficiency). The efficient scored are namely DKI Bank (2007), Bank of East Java (2007), Bank of West Kalimantan (2007), Permata Bank (2008-2009), and Bank of west Java (2010). The sources of technical inefficiency in the Indonesian Islamic banking industry was from the input and output variables. The potential improvements should be done by the bank to optimize the use of inefficient input for maximizing output. Technical efficiency value was dominated by pure technical efficiency while low scale efficiency and economies of scale position of Islamic banking industry in Indonesia. During the period of observation shows the constant Condition Return to Scale (CRS) four banks, Decreasing Return to Scale (DRS).The condition of the banks Increasing Return to Scale (IRS) were 13 banks. This condition means that the increase in output will be followed by lower costs.
Keywords: Technical Efficiency, Economies of Scale, Islamic Banking Industry, Data Envelopment Analysis.