An Analysis of the Efficiency of Islamic Commercial Banks in Indonesia during the 2021–2025 Period

Ahmad Azhari Pohan; Yeni Hanisah Piliang

doi:10.70136/el-iqtishod.v10i1.667

Penulis

Ahmad Azhari Pohan Universitas Madani
Yeni Hanisah Piliang Universitas Gadjah Mada

DOI:

https://doi.org/10.70136/el-iqtishod.v10i1.667

Kata Kunci:

DEA, Islamic Commercial Bank, Efficiency

Abstrak

This study aims to examine the efficiency level of Islamic Commercial Banks in Indonesia during the 2021–2025 period. The study uses secondary data obtained from the financial statements of Islamic banks. An output-oriented approach is employed, while Data Envelopment Analysis (DEA) is used to measure the efficiency level. The data were processed using Microsoft Excel for data tabulation and MaxDEA 12.2 to calculate efficiency scores. The results show that Bank Syariah Indonesia was the most efficient bank and remained relatively stable throughout the 2021–2025 period. Bank Victoria Syariah and Bank Panin Dubai Syariah achieved efficiency in four years during the same period, while Aladin Syariah was efficient in only three years. Bank Muamalat Indonesia and Bank Bukopin Syariah were efficient in only two years. Meanwhile, Bank Aceh Syariah and BTPN Syariah achieved efficiency only in 2025. The banks that remained inefficient during the 2021–2025 period were Bank NTB Syariah, Bank Nano Syariah, Bank Jabar Banten Syariah, and BCA Syariah. Inefficient Islamic Commercial Banks can improve their efficiency by increasing financing and other operating income.

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