The efficiency of Islamic rural banks (BPRS) in South Sulawesi

Khatimah, Nur and Miranti, Titis ORCID: https://orcid.org/0000-0002-8720-3809 (2022) The efficiency of Islamic rural banks (BPRS) in South Sulawesi. I-Finance : a Research Journal on Islamic Finance, 8 (1). pp. 1-18. ISSN 2615-1081

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Abstract

This study aims to determine the efficiency level of Islamic Rural Banks (BPRS) in South Sulawesi and determine what influences it. The study population is the BPRS in South Sulawesi registered with the Financial Services Authority (OJK). The study sample used the purposive sampling method and obtained 7 BPRS in South Sulawesi. The data source comes from the quarterly financial reports of the BPRS. The analysis technique is two stages – data envelopment analysis (DEA). The results of the first stage, using DEA, found that the average efficiency of the BPRS Indo Timur, Dana Moneter, Surya Sejati, Investama Mega Bakti and Harta Insan Karimah Makassar was 1, Niaga Madani was 0.829, while Gowata was 0.993. The second stage, using Tobit regression, found that fixed assets, operating costs, and operating income showed significant results in the alpha value. Meanwhile, total savings, profit-sharing financing, and productive assets showed no significant results on the alpha value. The first stage concludes that the BPRS in South Sulawesi is not included in the efficient level. In the second stage, the variables of fixed assets, operating costs, and operating income partially affect the efficiency value of the BPRS.

Item Type: Journal Article
Keywords: BPRS; DEA; efficiency; tobit regression
Subjects: 14 ECONOMICS > 1403 Econometrics > 140399 Econometrics not elsewhere classified
15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150202 Financial Econometrics
15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150203 Financial Institutions (incl. Banking)
15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment
Divisions: Faculty of Economics > Department of Islamic Banking
Depositing User: Titis Miranti
Date Deposited: 09 Jun 2023 06:23

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