ANALISIS DETERMINAN TINGKAT EFISIENSI PERBANKAN SYARIAH DI KAWASAN ASEAN MENGGUNAKAN METODE DATA ENVELOPMENT ANALYSIS (Studi komparasi pada bank syariah di Indonesia dan bank syariah di Malaysia Periode 2019-2024)

AGUNG, PRAYOGA (2026) ANALISIS DETERMINAN TINGKAT EFISIENSI PERBANKAN SYARIAH DI KAWASAN ASEAN MENGGUNAKAN METODE DATA ENVELOPMENT ANALYSIS (Studi komparasi pada bank syariah di Indonesia dan bank syariah di Malaysia Periode 2019-2024). Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Perkembangan perbankan syariah di kawasan ASEAN menunjukkan tren positif dalam beberapa tahun terakhir, khususnya di Indonesia dan Malaysia yang merupakan dua negara dengan ekosistem keuangan syariah terbesar di kawasan ini. Namun, tingkat efisiensi operasional antar bank syariah masih menunjukkan disparitas yang signifikan, sehingga memerlukan analisis mendalam untuk mengidentifikasi faktor-faktor yang memengaruhi kinerja efisiensi tersebut. Penelitian ini bertujuan untuk menganalisis determinan tingkat efisiensi perbankan syariah di Indonesia dan Malaysia selama periode 2019–2024, serta membandingkan tingkat efisiensi kedua negara menggunakan pendekatan Data Envelopment Analysis (DEA). Metode DEA dipilih karena kemampuannya dalam mengukur efisiensi relatif unit pengambil keputusan (Decision Making Units/DMUs) dengan mempertimb angkan berbagai input dan output secara simultan. Data yang digunakan bersumber dari laporan keuangan tahunan bank syariah yang terdaftar di otoritas pengawas masingmasing negara. Hasil penelitian menunjukkan bahwa secara ratarata, bank syariah di Malaysia cenderung lebih efisien dibandingkan dengan bank syariah di Indonesia selama periode studi. Faktor-faktor seperti Capital Adequacy Ratio, Return on Asset, Non Performing Financing dan Financing to Deposit Ratio tidak berpengaruh terhadap DataiEnvelopment Analysis. Temuan ini memberikan implikasi kebijakan bagi regulator dan manajemen bank dalam merancang strategi peningkatan efisiensi operasional guna memperkuat daya saing perbankan syariah di tingkat regional. Kata Kunci : Capital Adequacy Ratio, Return on Asset, Non Performing Financing, Financing to Deposit, Datai Envelopment Analysis. ABSTRACT The development of Islamic banking in the ASEAN region has shown a positive trend in recent years, particularly in Indonesia and Malaysia, the two countries with the largest Islamic financial ecosystems in the region. However, the level of operational efficiency among Islamic banks still shows significant disparities, requiring in-depth analysis to identify the factors influencing this efficiency performance. This study to analyze the determinants of the level of efficiency of Islamic banking in Indonesia and Malaysia during the period 2019–2024, and to compare the efficiency levels of the two countries using the Data Envelopment Analysis (DEA) approach. The DEA method was chosen because of its ability to measure the relative efficiency of decision-making units (DMUs) by considering various inputs and outputs simultaneously. The data used comes from the annual financial reports of Islamic banks registered with the supervisory authorities of each country. The results show that, on average, Islamic banks in Malaysia tended to be more efficient than Islamic banks in Indonesia during the study period. Factors such as the Capital Adequacy Ratio, Return on Assets, Non-Performing Financing, and Financing to Deposit Ratio did not significantly impact the Data Envelopment Analysis. These findings provide policy implications for regulators and bank management in designing strategies to improve operational efficiency to strengthen the competitiveness of Islamic banking at the regional level. Keywords: Capital Adequacy Ratio, Return on Assets, Non-Performing Financing, Financing to Deposit, Data Envelopment Analysis.

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