Efisiensi Perbankan Syariah di Negara Asean : Stochastic Frontier Analysis (SFA)
DOI:
https://doi.org/10.37985/jer.v5i4.1776Keywords:
Efisiensi, Perbankan Syariah, ASEAN, Stochastic Frontier Analysis, Regresi TobitAbstract
Berlakunya MEA membuat perbankan syariah di ASEAN semakin kompetitif serta ketidakpastian perekonomian membuat perhitungan efisiensi perbankan menjadi krusial terutama bagi negara berkembang seperti negara di kawasan ASEAN. Penelitian ini bertujuan mengukur efisiensi perbankan syariah serta faktor-faktor yang mempengaruhi efisiensi perbankan syariah di ASEAN mnggunakan Stochastic Frontier Analysis dan Regresi Tobit. Penelitian ini menggunakan pendekatan kuantitatif. Data yang digunakan pada penelitian ini merupakan data sekunder yang diperoleh dari laporan keuangan tahunan masing-masing perbankan syariah dan beberapa indikator makroekonomi bersumber dari World Bank. Penelitian ini mencakup 5 negara anggota ASEAN yaitu: Indonesia, Malaysia, Brunei Darussalam, Thailand dan Filipina selama periode 2014-2023. Hasil penelitian ini menunjukkan bahwa secara keseluruhan rata-rata skor efisiensi Perbankan Syariah di ASEAN periode 2014-2023 adalah sebesar 0,6991. Rata-rata nilai efisiensi perbankan syariah tertinggi yaitu Malaysia dan rata-rata nilai efisiensi perbankan syariah terendah yaitu Brunei Darussalam. Berdasarkan kategori efisiensi, secara keseluruhan perbankan syariah di ASEAN termasuk kategori efisien. Faktor yang mempengaruhi efisiensi perbankan syariah di ASEAN secara signifikan yaitu total aset, CAR, inflasi, dan Unemployment. Variabel ROA dan variabel GDP tidak berpengaruh signifikan terhadap efisiensi bank syariah di ASEAN.
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