Diversifikasi Aset, Risiko Bank, Ukuran Bank, dan Likuiditas Bank terhadap Efisiensi Bank Syariah di Indonesia

Authors

  • Anggraeni Anggraeni STIE Perbanas Surabaya
  • Iik Arie Saputri STIE Perbanas Surabaya

DOI:

https://doi.org/10.14414/jbb.v10i1.2182

Keywords:

Diversification, Bank Risk, Total Assets, Liquidity, Efficiency, SFA.

Abstract

There are some factors that affect the banks’ efficiency and therefore, it is important to do research in relation to analyze those factors. The efficiency of the banking industry is required. The purpose of this study is to examine the effect of asset diversification, bank risk, bank size, and bank liquidity on the efficiency of sharia banks using Stochastic Frontier Analysis (SFA). The sample of this research is Sharia Commercial Bank, in Indonesia, which has been registered in OJK for the 2014-2018 period. The data were analyzed by using descriptive and statistical analysis with Frontier 4.1. The results showed that asset diversification, bank risk, and bank liquidity had a negative effect on efficiency. On the contrary, Total Assets has a positive effect on Efficiency. It is recommended that the banks should minimize their risk in order to increase efficiency as well as not to diversify their assets.

Author Biography

Iik Arie Saputri, STIE Perbanas Surabaya

Mahasiswi Ekonomi Syariah STIE Perbanas Surabaya

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Published

2020-10-30

How to Cite

Anggraeni, A., & Saputri, I. A. (2020). Diversifikasi Aset, Risiko Bank, Ukuran Bank, dan Likuiditas Bank terhadap Efisiensi Bank Syariah di Indonesia. Journal of Business &Amp; Banking, 10(1), 129–149. https://doi.org/10.14414/jbb.v10i1.2182