DOI of the published article https://doi.org/10.56174/pjieb.v5i1.299
Comparison of the Efficiency of Bank BJB Syariah and Bank BJB Conventional Before and During the Covid-19 Pandemic
Komparasi Efisiensi Bank BJB Syariah dan Bank BJB Konvensional Sebelum dan Selama Pandemi Covid-19
DOI:
https://doi.org/10.21070/ups.7240Keywords:
Efisiensi, Kinerja Bank, Bank BJB Syariah, Bank BJB Konvensional, Data Envelopment AnalysisAbstract
This study aims to analyze and compare the efficiency levels of Bank BJB Syariah and Bank BJB Konvensional before and during the Covid-19 pandemic. The novelty of this research lies in measuring the efficiency and comparison of two BPD banks that are in one holding company, namely PT Bank BJB Tbk. The method used is quantitative with the Data Envelopment Analysis (DEA) approach to measure efficiency. The input variables used include Total Assets, Third Party Funds, and Operating Expenses, while the output variables consist of Loans/Financing and Operating Income. The research sample is divided into two periods, before the pandemic (2017-2019) and during the pandemic (2020-2022). The results showed that both Bank BJB Syariah and Bank BJB Conventional experienced inefficiency in several variables, both before and during the pandemic. Performance fluctuations caused efficiency imbalances in some quarters, indicating the need for further evaluation of the operational strategies of both banks.
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