KETERKAITAN KEBIJAKAN PEMISAHAN TERHADAP TINGKAT EFISIENSI PADA INDUSTRI PERBANKAN SYARIAH DI INDONESIA

M. Nur Rianto Al Arif

Abstract


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.

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