Nunik Nurmalasari, Jashinta Efril, Estu Widarwati


The efficiencies related to business activities and needed for competitive advantage. An efficiency bank is important for its capability in mobilizing public funds or channelling funds to people who need business capital. The study tests the effect of the relationship between efficiency on the performance of Sharia banking in Indonesia. The research type is descriptive. The research object is the financial statements of 11 Sharia banks in Indonesia. The data analysis method used is Data Envelopment Analysis (DEA), ratio analysis, and panel data.  The results showed that based on the DEA analysis, the overall average of Sharia banks reached an efficiency of 95.1% and the bank’s efficiency impacts to NIM but contras finding on ROA. It implicates that sharia banking should be able to manage time, funds, costs as best as possible as well as avoiding risks and interests for optimizing profit.


Keywords: Sharia Banking, Efficiency, Performance, Data Envelopment Analysis (DEA)

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