THE EFFICIENCY ANALYSIS OF SHARIA RURAL BANKS (BPRS) DURING THE PERIOD OF 2012-2018 USING DATA ENVELOPMENT ANALYSIS (DEA) METHOD

The purpose of this study was to determine the level of efficiency of Islamic People's Financing Banks (Sharia Rural Banks) registered at the OJK during the 2012-2018 period. This study uses a quantitative approach. The data used are secondary data in the form of annual financial reports obtained from the websites of Bank Indonesia (BI) and the Financial Services Authority (OJK). This study uses a non-parametric approach to measure the stability of the level of efficiency of the Islamic People's Financing Bank (BPRS) with the Data Envelopment Analysis (DEA) method. The results of this study indicate that under the CRS assumption with an output-oriented average efficiency of the Islamic People's Financing Bank (BPRS) for the 2012-2018 period is 79 percent, while under the assumption of the output-oriented VRS the average efficiency of the Islamic People's Financing Bank (BPRS) is 85 percent which means that the Islamic People's Financing Bank during the 2012-2018 period still operates inefficiently. BPRS Harta Insan Karimah Parahyangan became the only Sharia People Financing Bank (BPRS) in Indonesia for the 2012-2018 period that was the most stable both under the VRS assumption.

Keywords: Stability, Intertemporal Efficiency, Data Envelopment Analysis, Islamic Rural Bank

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