STRATEGI NEBINGKATKAN KINERJA PERBANKAN SYARIAH MELALUI VALUE ADDED INTELECTUAL CREATION - Didit Supriyadi, - (2019)
Perbankan syariah sebagai salah satu alternatif jasa perbankan telah menjadi suatu fenomena tersendiri dalam perkembangan perekonomian di Indonesia. Data-data mengenai kinerja bisnis yang telah diuraikan memberikan informasi bahwa kinerja bisnis bank umum syariah pada industri perbankan syariah di Indonesia masih jauh dengan apa yang diharapkan. Tujuan penelitian adalah untuk memperoleh temuan bagaimana gambaran environmental analysis, board characteristics, financial risk, cost efficiency, funding, value added creation intellectual dan kinerja perbankan syariah di Indonesia, memperoleh temuan mengenai pengaruh dan dampak yang ditimbulkan dari interaksi beberapa objek penelitian yang dikaji, serta memperoleh temuan dari pengaruh value added creation intellectual terhadap kinerja perbankan syariah di Indonesia. Desain penelitian ini menggunakan pendekatan kuantitatif, dengan jenis penelitiannya berupa deskriptif survei dan explanatory survey. Objek penelitian melibatkan environmental analysis, board characteristics, financial risk, cost efficiency dan funding. Survei dilakukan pada 33 bank yang bergerak di industri perbankan syariah. Analisis data menggunakan statistika deskriptif dan statistika inferensial dengan pendekatan model persamaan struktural. Hasil analisis secara deskriptif menunjukkan bahwa environmental analysis, board characteristics, financial risk, cost efficiency, value added creation intellectual serta kinerja perbankan syariah di Indonesia rata-rata pencapaiannya terukur dalam kategori baik, hanya funding pada lembaga perbankan syariah di Indonesia saja yang terukur "sedang" keberadaanya. Pada akhirnya rangkaian model ini berimplikasi pada peningkatan kinerja secara positif dan signifikan. Novelty dari penelitian ini adalah ditemukannya model strategi value added creation intellectual dalam meningkatkan kinerja perbankan syariah di Indonesia; dengan variabel environmental analysis, board characteristics, financial risk, cost efficiency dan funding.;--Islamic banking as an alternative banking service becomes phenomenon in the development of the economy in Indonesia. The data on business performance that have been described provide information that Islamic banks' business performance on the Islamic banking industry in Indonesia is still far from what was expected. The research objective is analyzing the characteristics of environmental analysis, board characteristics, financial risk, cost efficiency, funding, value added creation intellectual and Islamic bankings' performance in Indonesia, to obtain findings on the effects and the impacts of the interaction of several research objects studied, and obtain findings from the effect of value added creation intellectual on Islamic banking performance in Indonesia. This research design used a quantitative approach and used descriptive survey research and explanatory survey. The object of this research involves environmental analysis, board characteristics, financial risk, cost efficiency and funding. The survey was conducted on 33 banks in the Islamic banking industry. Data analysis was using descriptive statistics and inferential statistics with a structural equation model approach. Descriptive analysis results show that the environmental analysis, board characteristics, financial risk, cost efficiency, value added creation intellectual and Islamic banking performance in Indonesia are measured in a good category, only funding on Islamic banking in Indonesia is measurable "medium" in the existence. In the end, this set of models have implications for the improvement of firm performance significantly. Novelty from this research are the discovery a model of value added creation intellectual strategy in improving Islamic banking' performance in Indonesia; with variables of environmental analysis, board characteristics, financial risk, cost efficiency and funding.