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Currently, many Islamic Rural Banks (BPRS) are operating in the areas of Regency, where level of competitive among Islamic Rural Banks is also increasing dramatically. These require Islamic Rural Banks (BPRS) to manage funds efficiently in ways optimal profitability. This study tried to analyze the matrix of efficiency and profitability on Islamic...
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... Furthermore, Azmy (2018) found different results between ROA and ROE which is Operating efficiency towards ROA has the same result with previous studies, whereas ROE has a positive relationship. Conversely, Hosen and Warninda (2014) showed the negative sign and significance of ROE. ...
The main difference between Islamic banking and conventional is the concept of profit and loss sharing (PLS). Supposedly, banks have to use dominantly this concept. Nevertheless, products based on PLS are less of attention for the bankers to generate profit. Otherwise, the product based on the Murabahah contract is the first choice for the banker for profit-making. Therefore, this research generally aims to examine the performance of Islamic rural banking products as a source of generating revenue. Especially to prove that profit and loss sharing is the best way to generate profit. VECM analysis will apply to identify the contribution of Islamic rural banking products to generate income. In evaluating of financing performance of Islamic banks, the data was collected from the central banks’ reports from 2009 to 2019. The result showed that in the long-run and short-run the PLS financing product (Mudharabah and Musyarakah) has a positive and significant effect on generating revenue. The study also revealed that the impulse response also showed that PLS gives a positive response and is stable in the long run. Furthermore, based on variance decomposition PLS has a bigger contribution to revenue.
... Research on the productivity of BPR and BPRS is still very rarely carried out by previous researchers and most of them focus more on research on banking efficiency, one of which is BPR and BPRS, for example, Hosen & Warninda (2014) who tries to analyze the efficiency and profitability matrix of Islamic BPRs in Indonesia. , as well as analyzing the factors that influence the efficiency of Islamic BPRs. ...
The Islamic finance industry in Indonesia is currently a global concern, one of which is financial institutions, so productivity measurement is essential for BPRS in Indonesia. This study tries to analyze the BCC model as a basic model to see the level of productivity in 92 BPRS using the Malmquist productivity index, both in terms of changes in efficiency and changes in technology during the six-year observation period (2016-2021) using the Malmquist Index. There are several findings from this study. First, the overall level of productivity in BPRS shows an increase, and it is known that changes in efficiency and technology affect the increase in productivity of BPRS. Furthermore, in the analysis of each BPRS, it is known that the productivity of the BPRS fluctuates from year to year. Second, the regional study between Java and Non-Java found that BPRS in Java has higher productivity levels than BPRS outside Java, considering that Java is the center of the Indonesian economy and the impact of high technological changes on BPRS in Java. Third, the following finding is related to the productivity of BPRS before and after the Covid-19 pandemic, which showed a decline during the Covid-19 pandemic. Still, the decline was not significant when viewed from the results of statistical tests. Then based on the analysis of the Malmquist Index quadrant, it shows that the BPRS dominates quadrant 2 with the category of high technology and low efficiency, namely back to 25 BPRS, then followed by quadrant 4 with the type of technology and low efficiency, opening 24 BPRS, next is quadrant 3 with a total of 23 BPRS and quadrant one which has the highest category reaches 20 BPRS.
... Differentiation process in BPRS both in building the traditional market and channeling to the small and medium business community is urgently needed (Kohardinata, Suhardianto, & Tjahjadi, 2020;Hosen & Warninda, 2014;Yeow, Lee, Tan, & Chia, 2018). Drasch, Schweizer, & Urbach'' (2018) argued that the financial industry including banking faces many challenges especially those related to information technology management and innovation. ...
Indonesian Islamic rural bank or usually called Bank Pembiayaan Rakyat Syariah (BPRS) conducts business in Indonesia in activities based on sharia principles and providing banking services. The challenging business of BPRS right now is facing the Financial Technology (Fintech) business that grows very fast. Current market conditions request transactions simpler and easier, and the financial industry must be changed to accommodate this condition. To be able to compete with Fintech company, BPRS must be changed to adapt to the customer's needs by implemented Fintech in their business. The study aims to determinant the issues on implementing Fintech for BPRS. This study applies by using the Delphi method combined with the Likert scale. Data was obtained by an in-depth interview with three groups of experts as respondents including BPRS practitioners, Fintech practitioners, and experts. The result of this study shows Fintech is needed by BPRS to simplify the registration process, assess the quality of financing, expand their market share, and adopt ecosystem processes. This study has resulted in BPRS should develop Fintech by their resource, then collaborate with Fintech company on the Fintech area that can't be developed by BPRS. Keywords: BPRS, Collaboration, Delphi, Ecosystem, Fintech
... Dewasa ini, kesadaran masyarakat dalam melakukan kegiatan ekonomi yang aman sesuai dengan Syariah Islam terus meningkat sehingga memberikan dampak pada peralihan preferensi masyarakat dalam menggunakan bantuan pembiayaan dan permodalan. Dapat dikatakan kecenderungan masyarakat dalam menggunakan Bank Syariah semakin kuat (Nadratuzzaman & Warninda, 2014). Berdasarkan data yang dipublikasikan pada Statistik Perbankan Syariah, Otoritas Jasa Keuangan (www.ojk.go.ig) selama periode 2014-2018, jumlah asset, DPK, dan Pembiayaan pada BPRS terus mengalami peningkatan setiap tahunnya. ...
... Pertumbuhan ekonomi menunjukkan pengaruh yang signifikan terhadap peningkatan profitabilitas BPRS dalam jangka panjang. Temuan ini memperkuat hasil penelitian terdahulu seperti (Jan, Marimuthu, Pisol, & Isa, 2019;Nadratuzzaman Hosen & Warninda, 2014;Ningsih et al., 2016;Saleh et al., 2018) yang menjelaskan bahwa pertumbuhan ekonomi dijadikan sebagai acuan dalam melihat prospek perekonomian dalam jangka panjang. Perekonomian yang tumbuh secara berkelanjutan, akan memberikan dampak positif terhadap profitabilitas BPRS. ...
p align="center"> ABSTRACT
This study aims to analyze the effect of capital aspects (CAR), financing risk (NPF) and macroeconomic variables including economic growth, inflation and the BI Rate on profitability (ROE) in the short and long term. By using time series data for the monthly period from 2013-2018 and the Error-Correction Model (ECM) and cointegration approach, it is found that CAR and NPF do not have a significant effect on ROE in the short and long term. Economic growth, inflation and the BI Rate in the short term do not have a significant effect on ROE, in the long run economic growth, inflation and the BI Rate have a significant effect on ROE. In the short term, economic growth, inflation and the BI Rate disturb the balance of profitability, but in the long run it returns to its equilibrium level. It is necessary to integrate the BPRS policy strategy in managing capital and risk with government policies related to economic growth and inflation.
ABSTRACT
Penelitian bertujuan menganalisis pengaruh aspek permodalan (CAR), risiko pembiayaan (NPF) dan variabel makroekonomi yang meliputi pertumbuhan ekonomi, inflasi dam BI Rate terhadap profitabilitas (ROE) dalam jangka pendek dan jangka panjang. Dengan menggunakan data time series periode bulanan dari tahun 2013-2018 dan pendekatan Error-Correction Model (ECM) dan kointegrasi, ditemukan bahwa CAR dan NPF tidak berpengaruh secara signifikan terhadap ROE dalam jangka pendek dan jangka panjang. Pertumbuhan ekonomi, inflasi dan BI Rate dalam jangka pendek tidak berpengaruh signifikan terhadap ROE, dalam jangka panjang pertumbuhan ekonomi, inflasi dan BI Rate berpengaruh signfikan terhadap ROE. Pada jangka pendek, pertumbuhan ekonomi, inflasi dan BI Rate menggangu keseimbangan profitabilitas namun dalam jangka panjang kembali pada tingkat keseimbangannya. Diperlukan pengintegrasi strategi kebijakan BPRS dalam mengelola permodalan dan risiko dengan kebijakan pemerintah terkait dengan pertumbuhan ekonomi dan inflasi.
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This study aims to determine the map of the development of Islamic Bank DEA research. DEA or Data Envelopment Analysis is one method for efficiency and productivity measurement. The data analyzed were in the form of publication of the DEA application research on Islamic banking totaling 201 articles. Map of the development of Islamic Bank DEA field research is obtained through the export process into the .txt file format. The export data is then processed and analyzed using the VOSviewer application program to determine the bibliometric map of the development of the DEA Islamic Bank application research. The results showed that the number of publications on the results of research on the DEA Islamic Bank application from 2004-2019 had increased significantly and was the most published in the International Journal of Islamic and Middle Eastern Finance and Management. Network visualization shows that the map of the development of the DEA Islamic Bank application research is divided into 4 clusters. Cluster 1 consists of 7 topics, cluster 2 consists of 4 topics, cluster 3 consists of 3 topics, and cluster 4 consists of 2 topics. The author who published the most research results on the DEA Islamic Bank application was Fakhrudin Kamarudin. Besides, the largest contributor to the publication of research results in the DEA Islamic Bank was the Faculty of Economics and Management Universiti Putra.
This study aims to determine the map of the development of Islamic Bank DEA research. DEA or Data Envelopment Analysis is one method for efficiency and productivity measurement. The data analyzed were in the form of publication of the DEA application research on Islamic banking totaling 201 articles. Map of the development of Islamic Bank DEA field research is obtained through the export process into the .txt file format. The export data is then processed and analyzed using the VOSviewer application program to determine the bibliometric map of the development of the DEA Islamic Bank application research. The results showed that the number of publications on the results of research on the DEA Islamic Bank application from 2004-2019 had increased significantly and was the most published in the International Journal of Islamic and Middle Eastern Finance and Management. Network visualization shows that the map of the development of the DEA Islamic Bank application research is divided into 4 clusters. Cluster 1 consists of 7 topics, cluster 2 consists of 4 topics, cluster 3 consists of 3 topics, and cluster 4 consists of 2 topics. The author who published the most research results on the DEA Islamic Bank application was Fakarudin Kamarudin. Besides, the largest contributor to the publication of research results in the DEA Islamic Bank was the Faculty of Economics and Management Universiti Putra Malaysia.
p class="16aJudulAbstrak">Abstrak
Tujuan penelitian ini untuk menganalisis efisiensi dan menguji perbedaan antara efisiensi bank syariah dengan bank konvensional tahun 2014-2018. Pengambilan sampel dengan menggunakan teknik purposive sampling sehingga menghasilkan sampel 18 bank. Data yang digunakan adalah data sekunder dari laporan keuangan perbankan yang terpublikasi. Metode analisis data yang digunakan untuk menganalisa efisiensi teknik pada bank syariah dan bank konvensional adalah Data Envelopment Analysis (DEA) dengan pendekatan Intermediasi dan pendekatan Produksi. Untuk menguji perbedaan antara tingkat efisiensi bank umum konvensional dengan bank umum syariah menggunakan uji mann-whitney u. Hasil penelitian menyimpulkan bahwa efisiensi pada bank syariah dan bank konvensional selama periode 2014-2018 mengalami fluktuasi. Hasil uji beda dalam pendekatan Intermediasi asumsi CRS dan VRS, serta dalam pendekatan Produksi asumsi VRS tidak terdapat perbedaan yang signifikan antara efisiensi teknik pada bank syariah dengan bank konvensional, sedangkan hasil uji beda dalam pendekatan Produksi asumsi CRS menunjukkan ada perbedaan signifikan antara tingkat efisiensi teknik pada bank syariah dengan bank konvensional, dimana bank umum syariah lebih efisiensi dibandingkan bank umum konvensional.
Kata Kunci: Efisiensi, Data Envelopment Analysis, Bank Syariah, Bank Konvensional</p
