Analisis Tingkat Efisiensi Bank Umum Syariah di Indonesia pada Era Masyarakat Ekonomi Asean (MEA)

Abstract

The purpose of this research is to identify the level of efficiency of Sharia Commercial Banks in the ASEAN Economic Community (AEC) era and also to identify the policies that can be taken by Sharia Commercial Banks to improve their efficiency by using the DEA method and VRS model with an intermediation approach. Furthermore, this research uses 6 Sharia Foreign Exchange Commercial Banks as samples. This research shows that the average Sharia Commercial Bank has been quite efficient in carrying out its role as an intermediary institution. Sharia Commercial Banks that experience fluctuations in their efficiency are BNIS and BRIS. Whereas other Sharia Commercial Banks have consistently achieved optimum efficiency. Policy recommendations that can be implemented by Sharia Commercial Banks, especially for Sharia Commercial Banks that have not yet reached the optimum level of efficiency, to increase their level of efficiency are by controlling and allocating optimal resources and by further increasing their output capacity by maintaining existing inputs.