Jurnal
Efficiency of Conventional Vs Islamic Banks in Indonesia: Pre and Mid-Covid Analysis
Economics Development Analysis Journal · Vol. 14 No. 3 (2025) · hlm. 337–354
- ISSN
- 2502-2725, 2252-6560
- Terbit
- 2025-10-22
- Penerbit
- Universitas Negeri Semarang
- Bahasa
- eng
Abstrak
This study aims to assess the technical efficiency of Indonesia’s conventional and Islamic banks and to examine whether their efficiencies differ between the periods before and during the COVID-19 pandemic. Bank input and output data are obtained from financial statements sourced from the CEIC Global Database for 96 Indonesian banks over the period from 2015 to 2022. The study employs bootstrap Data Envelopment Analysis (DEA) under both production and intermediation approaches to estimate bias-corrected technical efficiency. Independent t-tests are conducted to compare efficiency scores between conventional and Islamic banks, as well as to examine differences in technical efficiency before versus during the COVID-19 pandemic. The empirical findings indicate that Indonesian banks during the pandemic period were generally less efficient than before, and Islamic banks consistently exhibited lower technical efficiency than conventional banks. Although conventional banks outperform Islamic ones overall, the efficiency gap is not statistically significant during the pandemic. Moreover, banks show higher efficiency under the production approach, indicating stronger performance in revenue generation than fund intermediation. This study advises Indonesian banks to increase interest income (or fund disbursements, for Islamic banks), non-interest income, and loans while also considering risk to improve overall technical efficiency.
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27 penulis · 119 tautan kepenulisan bersama · 1 lintas organisasi
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- Australian National University
- Universitas Esa Unggul
- Hasanuddin University
- Padjadjaran University
- Afiliasi tidak diketahui
- Organisasi berbeda
- Organisasi sama
- Afiliasi tidak diketahui
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Tampilkan sebagai tabel
| Rekan penulis | Organisasi | Artikel bersama |
|---|---|---|
| Militcyano Samuel Sapulette | Australian National University | 3 |
| Donny Hardiawan | Afiliasi tidak diketahui | 1 |
| Muhammad Faishal Akbar Dwiputra | Afiliasi tidak diketahui | 1 |
| Maman Setiawan | Afiliasi tidak diketahui | 1 |
| Bayu Kharisma | Afiliasi tidak diketahui | 1 |
| Bayu Rizky Pratama | Afiliasi tidak diketahui | 1 |
| Aurelia Puteri Arfita | Afiliasi tidak diketahui | 1 |
| Iswadi Iswadi | Universitas Esa Unggul | 1 |
| Muhammad Sayuthi | Afiliasi tidak diketahui | 1 |
| Ardian Saputra | Hasanuddin University | 1 |
| Aru W Sudoyo | Afiliasi tidak diketahui | 1 |
| Idrus Alwi | Afiliasi tidak diketahui | 1 |
| Cosphiadi Irawan | Afiliasi tidak diketahui | 1 |
| Djumhana Atmakusumah | Afiliasi tidak diketahui | 1 |
| Agus Kosasih | Afiliasi tidak diketahui | 1 |
| Auda Aziz | Afiliasi tidak diketahui | 1 |
| Abdulmuthalib Abdulmuthalib | Afiliasi tidak diketahui | 1 |
| Lyana Lyana | Afiliasi tidak diketahui | 1 |
| Sri Inggriani | Afiliasi tidak diketahui | 1 |
| Merry Wintery | Afiliasi tidak diketahui | 1 |
| Linda Lison | Afiliasi tidak diketahui | 1 |
| Ary H Reksodiputro | Afiliasi tidak diketahui | 1 |
| Alvin Nursalim | Afiliasi tidak diketahui | 1 |
| Puspita A Katili | Afiliasi tidak diketahui | 1 |
| Nury Effendi | Padjadjaran University | 1 |
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