Melola Discovery

← Melola Discovery

Jurnal

Measuring the Efficiency of Indonesian Sharia Banking with Stochastic Frontier Analysis: Pre-Merger and Post-Merger

Islamic Economics and Finance Journal · Vol. 1 No. 1 (2025) · hlm. 36–49

Terbit
2025-05-08
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

This study examines the efficiency of Indonesian Sharia banking using Stochastic Frontier Analysis from 2019 to 2023, focusing on pre-merger and post-merger phases. This study uses a quantitative parametric approach with Stochastic Frontier Analysis. The input variables used are deposit funds (saving), assets, and administrative and general costs, while the output variables are the financing and other operating income. The analysis includes 16 Islamic Commercial Banks in the pre-merger period and 13 Islamic Commercial Banks in the Post-Merger Period. The results reveal a significant improvement in the efficiency of Sharia banks following the mergers. For Islamic Commercial Banks, the average efficiency score increased from 0.833 for financing and 0,733 for income in the pre-merger period (2019-2020) to 0.898 for financing and 0,8019 in the post-merger period (2022-2023). These findings indicate that the mergers have positively impacted the operational efficiency of Indonesian Sharia banks. This study provides valuable insights for policymakers, regulators, and financial institutions, highlighting the importance of strategic consolidations to enhance efficiency. The improvement in efficiency scores post-merger suggests that such consolidations enable better resource allocation, enhanced economies of scale, and improved management practices, thereby contributing to the overall stability and performance of Sharia banking in Indonesia.

Kata kunci

Jaringan kolaborasi para penulis

36 penulis · 99 tautan kepenulisan bersama · 1 lintas organisasi

Arahkan kursor atau ketuk sebuah nama untuk menyorot rekan penulisnya. Klik dua kali untuk membuka halaman penulis.

  • State University of Semarang
  • Universitas 17 Agustus 1945 Surabaya
  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
  • Garis lebih tebal = lebih banyak artikel bersama · lingkaran lebih besar = lebih banyak artikel
Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
Yozi Aulia RahmanAfiliasi tidak diketahui3
Joko WidodoAfiliasi tidak diketahui2
Indri MurniawatyAfiliasi tidak diketahui2
Ahmad SehabuddinAfiliasi tidak diketahui2
Puji LestariAfiliasi tidak diketahui2
Zainab AzizahAfiliasi tidak diketahui2
Ahmad NurkhinAfiliasi tidak diketahui1
Iwan Hardi SaputroAfiliasi tidak diketahui1
Ngabiyanto NgabiyantoAfiliasi tidak diketahui1
Algifari AlgifariAfiliasi tidak diketahui1
Ahmad Syahrul FauziAfiliasi tidak diketahui1
Silvia MargaretAfiliasi tidak diketahui1
Putri Patria KusumaAfiliasi tidak diketahui1
Muhammad Andi Auliya HakimAfiliasi tidak diketahui1
Andryan SetyadharmaAfiliasi tidak diketahui1
Luthfi Ibnu TsaniAfiliasi tidak diketahui1
Rasyad Nu'manAfiliasi tidak diketahui1
Bintang Satrio WibowoAfiliasi tidak diketahui1
Mohammad Aulia RachmanAfiliasi tidak diketahui1
Abi FadillahAfiliasi tidak diketahui1
Damas Gianlugi AlrizqiAfiliasi tidak diketahui1
Ubaedul MusthofaAfiliasi tidak diketahui1
M. Andi Auliya HakimAfiliasi tidak diketahui1
NgabiyantoAfiliasi tidak diketahui1
Moh Aris MunandarAfiliasi tidak diketahui1
Sucihatiningsih Dian Wisika PrajantiState University of Semarang1
Agus HermantoUniversitas 17 Agustus 1945 Surabaya1
Avi Budi SetiawanAfiliasi tidak diketahui1
Prabowo Yudo JayantoAfiliasi tidak diketahui1
AsroriAfiliasi tidak diketahui1
Maulana Kurnia PutraAfiliasi tidak diketahui1
Rukhsar AsifAfiliasi tidak diketahui1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/isefin/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 6 Nov 2026.
Metadata asli (oai_dc) 
<oai_dc:dc xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/  http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
	<dc:title xml:lang="en">Measuring the Efficiency of Indonesian Sharia Banking with Stochastic Frontier Analysis: Pre-Merger and Post-Merger</dc:title>
	<dc:creator xml:lang="en">Budiantoro, Risanda Alirastra</dc:creator>
	<dc:creator xml:lang="en">Fauzi, Ahmad Syahrul</dc:creator>
	<dc:creator xml:lang="en">Runtiningsih, Sri</dc:creator>
	<dc:creator xml:lang="en">Aulia Rochman, Mohammad</dc:creator>
	<dc:subject xml:lang="en">Efficiency</dc:subject>
	<dc:subject xml:lang="en">Stochastic Frontier Analysis</dc:subject>
	<dc:subject xml:lang="en">Islamic Bank</dc:subject>
	<dc:subject xml:lang="en">Merger</dc:subject>
	<dc:description xml:lang="en">This study examines the efficiency of Indonesian Sharia banking using Stochastic Frontier Analysis from 2019 to 2023, focusing on pre-merger and post-merger phases. This study uses a quantitative parametric approach with Stochastic Frontier Analysis. The input variables used are deposit funds (saving), assets, and administrative and general costs, while the output variables are the financing and other operating income. The analysis includes 16 Islamic Commercial Banks in the pre-merger period and 13 Islamic Commercial Banks in the Post-Merger Period. The results reveal a significant improvement in the efficiency of Sharia banks following the mergers. For Islamic Commercial Banks, the average efficiency score increased from 0.833 for financing and 0,733 for income in the pre-merger period (2019-2020) to 0.898 for financing and 0,8019 in the post-merger period (2022-2023). These findings indicate that the mergers have positively impacted the operational efficiency of Indonesian Sharia banks. This study provides valuable insights for policymakers, regulators, and financial institutions, highlighting the importance of strategic consolidations to enhance efficiency. The improvement in efficiency scores post-merger suggests that such consolidations enable better resource allocation, enhanced economies of scale, and improved management practices, thereby contributing to the overall stability and performance of Sharia banking in Indonesia.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2025-05-08</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/isefin/article/view/21698</dc:identifier>
	<dc:source xml:lang="en">Islamic Economics and Finance Journal; Vol. 1 No. 1 (2025); 36-49</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/isefin/article/view/21698/3944</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Islamic Economics and Finance Journal</dc:rights>
</oai_dc:dc>