Analisis Produktivitas Perbankan Syariah di Indonesia dalam Mengelola Dana Sosial

Abstract

<p>Under the Law Number 21 of 2008 article 4 explains the obligation for Islamic banks in Indonesia to manage social funds, besides the funding and financing activities. This study aims to analyse the level of productivity of social funds at Islamic banks. Data analysis using Malmquist Productivity Index (MPI) technique on 8 BUS in 2013-2017. The input variables are the receipt of zakat funds and the charity funds, while the output variables are the use of zakat funds and the charity funds. The results of this study found that 5 BUS have managed social funds efficiently and three other BUS have inefficiency conditions. Furthermore, based on MPI analysis it is found that almost all Islamic Banks has increased productivity by 32.2% which is supported by 36.4% increase of TECHCH although EFFCH value decreased by -2.3%. It indicates that Islamic Banks in Indonesia is already using technology to improve its productivity. Furthermore, from 8 BUS that became the research object, only BRISyariah experienced a decrease in productivity.</p>

Spin-off and Social Funds’ Productivity of Islamic Banking Industry in Indonesia

“…Therefore the change in technologies usage more influence on productivity change. It supports the finding from Ramadhan et al [15] and Julia et al [16] who state that Islamic banks experience the progress in social funds' productivity and influenced by technological change. In the case of BJB Sharia, the productivity mean progress by 1.8% despite the performance is fluctuated.…”

“…However, the spin-off can accelerate the deposit funds [13], [14]. In the field of social funds, Islamic banks experienced the progress on social funds' productivity [15]. The productivity of social funds influence by ROA, the ownership of independent LAZ and CAR [16].…”

Productivity of Islamic Banks in Indonesia: Social Funds versus Financial Funds

“…The results indicate that TFPCH means for social funds are progress by 8.2% (1.082). It supports the findings from Pitaloka, Cholis, Islamiyah, and Pambuko (2018) and Putra, Syifadhiya, Widyastiti, and Pambuko (2018) which are stated that the social funds in Islamic banks are progressed. The progress is supported by technological change's progress (TECHCH) by 9.0% (1.090) while the efficiency change (EFFCH) is regress by 0.7% (0.993).…”

Kebijakan Spin-off dan Efisiensi Perbankan Syariah di Indonesia

“…Pada konteks efisiensi, analisis lebih lanjut dibutuhkan untuk menjamin bahwa perbankan syariah mampu bertahan di tengah lingkungan yang semakin kompetitif (Firdaus & Hosen, 2013). Terlebih bank syariah saat ini belum mampu beroperasi secara efisien, baik dalam pengelolaan dana finansial maupun dana sosial (Endri, 2008;Firdaus & Hosen, 2013;Lutfiana & Yulianto, 2015;Pambuko, 2016;Putra, Syifadhiya, Widyastiti, & Pambuko, 2018). Bank syariah akan semakin efisien setelah melakukan spin-off (Sarifudin & Faturohman, 2017).…”

“…Studi tentang dampak kebijakan spin-off terhadap efisiensi tidaklah berdiri sendiri sebagai riset yang terpisah, namun merupakan pengembangan dari studi-studi yang telah dilakukan sebelumnya. Peneliti secara pribadi telah beberapa kali melakukan kajian efisiensi pada perbankan syariah, diantaranya determinan efisiensi dengan pendekatan two-stages DEA (Pambuko, 2016) dan efisiensi pengelolaan dana sosial (Putra et al, 2018). Lebih lanjut, riset yang berkaitan dengan kebijakan spin-off juga pernah dilakukan, yaitu berkaitan dengan dampak kebijakan spin-off terhadap produktivitas pengelolaan dana sosial di perbankan syariah (Pambuko, Usman, & Andriyani, 2019).…”