TINGKAT EFISIENSI BPRS DI INDONESIA: PERBANDINGAN METODE SFA DENGAN DEA DAN HUBUNGANNYA DENGAN CAMEL
Muhamad Nadratuzzaman Hosen
Fakultas Syariah dan Hukum UIN Syarif Hidayatullah Jakarta
Jl. Ir.H.Juanda No.95 Ciputat-Tangerang Selatan, 15412, Indonesia.
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The magnitude of the potential banking market-micro made many banks and other financial institutions make profits in the segment of small and micro finance as a market for rural banks (BPR), especially Islamic rural banks (BPRS). Thus, the BPRS efficiency was required to survive amid the competitions. This study used parametric stochastic frontier approach (SFA) and the method of data envelopment analysis (DEA) to analyze the level of efficiency of BPRS operation during the period of 2nd Quarter June 2011–1st Quarter March 2013. The level of Bank efficiency could be integrated with the performance of banks which was adopted from Central Bank (BI) criterias, namely CAMEL (Capital, Asset Quality, Management, Earnings and liquidity). Based on the Spearman correlation, the results of this study indicated that the level of efficiency of BPRS using the SFA method had no real relationship with CAMEL, while the level of efficiency of BPRS using the DEA method had a real and weak relationship with CAMEL. Another result in this study showed that the level of efficiency using SFA method was statistically higher than the level of efficiency using DEA method.
Key words: capital, asset quality, management, earnings, and liquidity (CAMEL), data envelopment analysis (DEA), efficiency, stochastic frontier approach (SFA)