Analisis Perbandingan Efisiensi Bank Umum Konvensional dan Syariah Pasca Pandemi Covid-19

Abstract

The impact of the Covid-19 pandemic has contributed significantly to the instability of the banking sector, both conventional and sharia, in Indonesia. Policies taken during the pandemic have influenced credit and financing activities carried out by banks, resulting in a significant impact on their performance. Declining performance is a serious challenge for these banks, prompting the need to improve capital structures post-pandemic. Analysis of efficiency levels is crucial in initiating bank performance and identifying areas that need improvement. This research uses quantitative methods with Data Envelopment Analysis (DEA) to measure the level of efficiency of Conventional Commercial Banks (BUK) and Sharia Commercial Banks (BUS) in Indonesia after the Covid-19 pandemic. The research results show that both types of banks have achieved high levels of efficiency, with BUK reaching 98.8 percent and BUS reaching 98.6 percent. Even though there are likely to be similar spikes in the performance of BUK and BUS, other tests show that there is no significant difference between the efficiency of the two after the Covid-19 pandemic. This indicates that the challenges faced by the banking sector in Indonesia due to the pandemic have been well addressed by both types of banks, which have been able to maintain their efficiency.

Dampak pandemi Covid-19 telah memberikan kontribusi signifikan terhadap ketidakstabilan sektor perbankan, baik konvensional maupun syariah, di Indonesia. Kebijakan yang diambil selama masa pandemi telah mempengaruhi aktivitas kredit dan pembiayaan yang dilakukan oleh bank, mengakibatkan dampak yang cukup besar terhadap kinerja mereka. Menurunnya kinerja menjadi tantangan serius bagi bank-bank ini, mendorong perlunya perbaikan struktur modal pasca pandemi. Analisis tingkat efisiensi menjadi krusial dalam mengevaluasi kinerja bank dan mengidentifikasi area yang perlu diperbaiki. Penelitian ini menggunakan metode kuantitatif dengan Data Envelopment Analysis (DEA) untuk mengukur tingkat efisiensi Bank Umum Konvensional (BUK) dan Bank Umum Syariah (BUS) di Indonesia pasca pandemi Covid-19. Hasil penelitian menunjukkan bahwa kedua jenis bank telah mencapai tingkat efisiensi tinggi, dengan BUK mencapai 98,8 persen dan BUS mencapai 98,6 persen. Meskipun terjadi fluktuasi yang cenderung serupa dalam kinerja BUK dan BUS, uji beda menunjukkan bahwa tidak ada perbedaan signifikan antara efisiensi keduanya pasca pandemi Covid-19. Hal ini mengindikasikan bahwa tantangan yang dihadapi oleh sektor perbankan di Indonesia akibat pandemi telah diatasi dengan baik oleh kedua jenis bank, yang telah mampu mempertahankan efisiensi mereka.