KETERKAITAN KEBIJAKAN PEMISAHAN TERHADAP TINGKAT EFISIENSI PADA INDUSTRI PERBANKAN SYARIAH DI INDONESIA
M. Nur Rianto Al Arif
Prodi Ekonomi Syariah Fakultas Ekonomi dan Bisnis
UIN Syarif Hidayatullah Jakarta
Jl. Ir. H. Juanda No. 95, Ciputat, Tangerang Selatan, Banten, 15412, Indonesia
Korespondensi dengan Penulis:
M.Nur Rianto Al Arif: Telp. +62 21 747 15704
One way to accelerate the growth of Islamic banks in Indonesia was by applying the policy of separation. The purpose of this study was to analyze the relationship between separation policy that had been implemented since 2008 with the operational efficiency of the Islamic banking industry in Indonesia. The method used was regression with dummy variables. The variables used in this study were a dummy variable separation, deposits, financing, assets, NPF, margin deposits of one month, and ROA. The result showed that separation policy had a relationship with the operational efficiency on Islamic banking industry in Indonesia. This result implied that separation policy should have been evaluated because it caused the industry to be less efficient when compared with the condition before the separation.
Keywords: deposits, efficiency, islamic banking, non-performing financing, return on assets.
19215295304_M.Nur Rianto Al Arif (Full Text)