ANALISIS EFISIENSI BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) DI JAWA TIMUR MENGGUNAKAN DATA ENVELOPMENT ANALYSIS (DEA) PERIODE 2012-2018

Authors

  • Nafilatul Khusnah Departemen Ekonomi Syariah - Fakultas Ekonomi dan Bisnis - Universitas Airlangga
  • Irham Zaki Departemen Ekonomi Syariah - Fakultas Ekonomi dan Bisnis - Universitas Airlangga
  • Lina Nugraha Rani
    linanugraha@feb.unair.ac.id
    Departemen Ekonomi Syariah - Fakultas Ekonomi dan Bisnis - Universitas Airlangga
June 13, 2020

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Efficiency is needed by Islamic Rural Bank (BPRS)to facing rivalry in the banking sector. Efficiency can show the performance of BPRS and make BPRS more productive. This study measures the efficiency of Islamic Rural Banks (BPRS) in East Jawa using data envelopment analysis (DEA). DEA is a non-parametric and deterministic methodology for determining relative efficiency. This study used the intermediation approach and output orientation to measure the efficiency of BPRS. Inputs in this study are deposits, labor, and fixed assets. Outputs in this study are financing and other income. The result shows that the inefficiency exists in the BPRS in East Java. From 21 BPRS, which were used as a sample, 17 BPRS are not efficient technically. The inefficiency of BPRS causes BPRS still can not manage its inputs optimally to producing maximum output. To achieve an efficient level, BPRS needs to increase its output and reduce its input.

Keywords: Islamic Rural Banks (BPRS), Efficiency, Performance, Data Envelopment Analysis (DEA)



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