Examining the Efficiency of the Islamic Banking Industry: Comparison of the Covid-19 Period and The New Normal Era in Indonesia

International Economic and Finance Review Pub Date : 2023-09-30 DOI:10.56897/iefr.v2i2.38

M. Ananda Ikhsan, Kahar Muzakkar, Firman Saputra, Solahuddin Al-Ayubi

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Abstract

This study aims to examine the efficiency of the Islamic banking industry: a comparison of the COVID-19 period and the new normal era in Indonesia. This study uses Data Envelopment Analysis (DEA) applications that use Variable Return to Scale (VRS) to see the ability of banks to manage input and output variables, especially total financing in Islamic banking in Indonesia. The results of this study show that the average efficiency level of Islamic banks in Indonesia fluctuated during the period before COVID-19 until the New Normal Era. Interestingly, this study found that the overall efficiency level of Islamic banking in Indonesia shows an increasing trend in 2022 with an average efficiency value of 0.66. However, from 2019 to 2020 it experienced a very significant decline. Bank Mualamah Syariah is the bank with the highest efficiency value according to DEA, while Bank BRI Syariah and Bank Tabungan Pensiunan Nasional Syariah have the lowest value. Keywords: Efficiency, Islamic Banking, Data Envelopment Analysis (DEA), Covid-19

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审视伊斯兰银行业的效率:新冠肺炎疫情时期与印尼新常态时期的比较

本研究旨在考察伊斯兰银行业的效率:对新冠疫情时期和印尼新常态时期的比较。本研究使用数据包络分析(DEA)应用程序，使用可变规模回报(VRS)来查看银行管理投入和产出变量的能力，特别是印度尼西亚伊斯兰银行的总融资。本研究结果表明，在新冠疫情之前至新常态时期，印尼伊斯兰银行的平均效率水平波动较大。有趣的是，本研究发现，印度尼西亚伊斯兰银行的整体效率水平在2022年呈上升趋势，平均效率值为0.66。然而，从2019年到2020年，它经历了非常显著的下降。根据DEA, Mualamah伊斯兰银行效率值最高，而BRI伊斯兰银行和Tabungan Pensiunan national伊斯兰银行效率值最低。关键词:效率，伊斯兰银行，数据包络分析(DEA)， Covid-19

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International Economic and Finance Review

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