PERBANDINGAN EFISIENSI BANK UMUM SYARIAH (BUS) DENGAN BANK UMUM KONVENSIONAL (BUK) DI INDONESIA DENGAN STOCHASTIC FRONTIER APPROACH (SFA) (PERIODE 2006-2009)

Abstract

Periode 2006-2009, efficiency rate of Islamic Commercial Bank (BUS) in Indonesia less than efficiency rate of Conventional Commercial Bank. It can be looked at BOPO score of BUS in 4 periode, it was higher than BOPO score of BUK, it was 81,7% and 76,6%.This research ave purpose getting reasons can influence the efficiency, and comparing the efficiency of BUS with efficiency of BUK. Banking efficiency in this research was analyzed with Stochastic Frontier Approach (SFA) and production efficiency. Choosing input-output variable use intermediary approach, it is most relevant with financial intermediation function of bank. Input variable was choosen is fix asset, deposit, and other operational expense. Output variable is loan of BUK and finance of BUS. Sample in this research is 13 commercial banks. Three from BUS and 10 from BUK. The analysis using SFA showing that during 2006-2009 the efficiency of BUS and BUK always increase with the average efficiency 0.9467 for BUS and 0.9516 for BUK. This is showing that BUS in Indonesia better than BUK in efficiency, with the BUK more optimum in total financing during 2006-2009. The average of BUS efficiency and BUK position in 0,9 of efficiency range level show that BUS and BUK in Indonesia has reach the efficiency level even not until the full of efficiency or 1. Based on the panel to know the impact of input variables to output variable loan or financing that deposit expenses has significant impact to loan or financing with t-test score 8,976 > 1,645. While fix asset and other operational expenses has not significant to loan or financing with t-test score 0,378 < 1,645 and 0,012 < 1,645 . Finding of independent sample t-test analysis showing that there is no difference in efficiency level between BUS and BUK with sig score 0,888 > α 0.05 and 2 tailed score 0.423.