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All Journal Jurnal Al-Qardh
Abdul Aziz Sahrullah
Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis, Universitas Airlangga, Surabaya, Indonesia
Religion Humanities Economics, Econometrics & Finance Social Sciences

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Analisis Persaingan Pasar, Faktor Internal dan Eksternal Bank terhadap Efesiensi Bank Syariah di Indonesia Abdul Aziz Sahrullah; Noven Suprayogi
AL-QARDH Vol 7, No 1 (2022): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v7i1.3958

Abstract

The present study aims to analyze the efficiency of several sharia banks in Indonesia. The study also aims to analyze several other factors that may influence efficiencies, such as market competition, internal factors, and external factors. The study is conducted using a quantitative approach and analyzes the data using two different steps. The first step measures the efficiency using DEA and the second step analyzes the efficiency using data panel regression. The data is collected using purposive technique sampling and using 11 different sharia banks as the main data of the study. The study shows that ROA has a significant negative influence on the sharia bank’s efficiency. A similar influence is also found in the relationship between HHI and GDP. Furthermore, several variables have a negative influence and are caused by the influence of NPF ratio, FDR ratio, inflation, and interest rate. Hence, the negative influence that is found indicates that the market structure tends to become an oligopoly where the competition of the sharia bank can be y examined
Co-Authors Noven Suprayogi, Noven