Efisiensi dan economies of scale sektor usaha syariah pada bank pembangunan daerah di Indonesia

Abstract

Regional Development Banks (BPD) has an important role in accelerating the development of the region by deploying capital and potential of their respective regions. Of 26 BPD who have established, 16 of them already have sharia unit, in the form of Sharia Business Unit (UUS) or Islamic Banks (BUS). Based on Bank Indonesia Regulation no. 11/10/PBI/2009, UUS must being BUS in 2023 with a minimum core capital requirement of Rp500 billion. In 2014, the Financial Services Authority (OJK) makes minimum core capital requirement only Rp100 billion. Ease of this needs to be balanced with good performance. The performance of 14 sharia and 26 conventional businesses BPD is measured using Distribution Free Approach method to determine the level of efficiency during the period 2008-2013. The result shows that conventional BPD is more efficient than the sharia. Sharia business sector that achieve economies of scale is only Bank of West Java and Banten Sharia whereas conventional sector almost entirely achieve economies of scale.