PENGARUH PERMODALAN, DEPOSITO DAN DIVERSIFIKASI TERHADAP EFISIENSI BANK PEMBIAYAAN RAKYAT SYARIAH DI INDONESIA (STUDI KASUS PADA 50 BPRS TAHUN 2014-2019)

RIAN DWI PERMANA, NIM. 18208011002 (2020) PENGARUH PERMODALAN, DEPOSITO DAN DIVERSIFIKASI TERHADAP EFISIENSI BANK PEMBIAYAAN RAKYAT SYARIAH DI INDONESIA (STUDI KASUS PADA 50 BPRS TAHUN 2014-2019). Masters thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

Efficiency is one of the performance indicators in the company. In the banking industry, measurement of efficiency is very important because it can affect the soundness of the bank. During the last 5 years, the efficiency of the BPRS (Sharia Rural Bank) as measured by the BOPO ratio has fluctuated every year in both positive and negative directions. This should be a concern given that efficiency also has an impact on bank financial performance. This research was conducted to reveal how capital, deposits, and diversification of productive assets affect the efficiency of the BPRS. This research is a descriptive study with a quantitative approach. The population in this study was BPRS with a total sample size of 50 BPRS which were obtained through a cluster sampling design based on the total core capital of the BPRS in 2019. The research period used was 2014-2019. Measurement of efficiency is carried out through a non-parametric frontier efficiency analysis of Data Envelopment Analysis (DEA) with a measurement orientation of cost-efficiency. Data analysis was performed using panel data regression analysis and comparison test. The results of this study reveal that the efficiency of BPRS is influenced by the amount of core capital, capital buffer, and deposits. For financing diversification, it does not have a significant effect on efficiency. This study also found that there was no significant difference in the level of efficiency between BPRS with a core capital of at least Rp6 billion and BRPS which did not yet have this amount. This result provides information that the policies issued by OJK are deemed incapable of increasing cost efficiency at BPRS.

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