Determinan Efisiensi Bank: Analisis Bank Di Indonesia

Ilmiah Manajemen Bisnis, 2014

Each bank will be able to hold out in global crisis and face competition, if it can operate efficiently. Efficient bank can produce optimal output from a given set of input through its operation as financial intermediary, where it receives fund from investors or depositors and lend it to customers. As efficiency is an important issue, this study is conducted to evaluate the efficiency level of state Bank in Indonesia. This study use Descriptive Analysis Method with time-series and cross sectional study approach. Data were taken from Audited Annual Financial Reports of four state-owned banks for the period 2008-2012. The output variables used are credit, interest Income, and other operational income and the input variables are the third parties fund, interest expense, and other operational expense. This Data Envelopment Analysis (DEA) with DEAP 2.1 was used to calculate the efficiency level of each bank. The result shows that all of State Banks have operated efficiently.

Business Management Journal

Bank performance is determined by many factors such as internal and external factors. This study aims to investigate the determinants of banking performance in Indonesia. By using samples from banks at the Indonesia Stock Exchange during the period 2013-2016 with a total of 32 banks. Internal factor variables used in this study include company size, capital ratios, deposit ratios, loan ratios, and non-performing loan ratios and banking performance using proxy return on assets and return on equity. The results of the study using linear regression analysis shows the results of the firm size ratio, capital ratio and non-performing loan ratio have an influence on profitability while the deposit ratio and lending ratio do not have an influence on bank performance either return on assets or return on equity.

Jurnal Manajemen dan Organisasi, 2020

Efficiency for the banking industry as a whole is the most important aspect considered to realize healthy and sustainable financial performance. Therefore, to realize a healthy and sustainable financial performance, the government intervenes in the banking business to divide or categorize banks based on core capital. This study will measure the efficiency level of conventional commercial banks with input variables that are thought to affect the output variable using non-parametric methods with the Data Envelopment Analysis (DEA) model. Bank size (SIZE), Capital Adequacy Ratio (CAR), and Loan to Deposit Ratio (LDR) proved to have a significant positive effect on the efficiency of banks listed on the Indonesia Stock Exchange for the period 2013-2017. Meanwhile, non-performing loan (NPL) proved to have a significant negative effect on the efficiency of banks listed on the Indonesia Stock Exchange for the period 2013-2017. External factors such as the rupiah exchange rate (KURS), Bank Indonesia interest rates (SBI), and gross domestic product (GDP) have proven to have no significant positive effect on the efficiency of banks listed on the Indonesian Stock Exchange in the period 2013-2017.

Jurnal Ekonomi Syariah Teori Terapan, 2022

Tujuan dari penelitian ini yaitu untuk menganalisis tingkat efisiensi bank umum syariah di Indonesia periode 2015-2019. Penelitian ini menggunakan pendekatan kuantitatif dengan metode DEA Window Analysis. Hasil dari penelitian ini menyatakan bahwa rata-rata skor efisiensi Bank Umum Syariah tahun 2015-2019 asumsi CRS sebesar 90%, dengan skor stabilitas (LDP) sebesar 0,075. Sedangkan rata-rata skor efisiensi asumsi VRS adalah 96%, dengan skor stabilitas (LDP) sebesar 0,065. Pengukuran efisiensi yang terbaik tahun 2015-2019 adalah dengan asumsi Variable Return to Scale (VRS). Bank Syariah Mandiri dan Bank Victoria Syariah pada asumsi VRS merupakan bank yang memiliki skor efisiensi dan yang paling stabil dibandingkan dengan bank lainnya. Kata Kunci: Bank Umum Syariah, efisiensi, DEA window, stabilitas.

This research analyzes the factors influencing bank efficiency. Bank efficiency is measured by BOPO. Predictable variable use risk, which is proxied with non performance loan (NPL), bank size, and CAR. Population in research is in national banking industry which go public in BEI, research period 2009-2016. Sampling technique used purposive sampling, with criterion of bank have go public before year 2008 and bank publish financial report year 2009-2016. The sample of research are 23 banks. The purpose of this study was to analyze the effect of bank risk, bank size and CAR to efficiency either simultaneously or partially. The analytical technique used multiple linear regression. The results showed simultaneously bank risk, bank size and CAR effect on efficiency. Risks, bank size and CAR affect the efficiency with negative direction. Scale of economics does not apply in the industry of national banks. Increasing the CAR as a countercyclical capital buffer (CCB) to control the occurrence of systematic risk can reduce credit growth, can impact the decrease in bank income.

This research analyzes the factors influencing bank efficiency. Bank efficiency is measured by BOPO. Predictable variable use risk, which is proxied with non performance loan (NPL), bank size, and CAR. Population in research is in national banking industry which go public in BEI, research period 2009-2016. Sampling technique used purposive sampling, with criterion of bank have go public before year 2008 and bank publish financial report year 2009-2016. The sample of research are 23 banks. The purpose of this study was to analyze the effect of bank risk, bank size and CAR to efficiency either simultaneously or partially. The analytical technique used multiple linear regression. The results showed simultaneously bank risk, bank size and CAR effect on efficiency. Risks, bank size and CAR affect the efficiency with negative direction. Scale of economics does not apply in the industry of national banks. Increasing the CAR as a countercyclical capital buffer (CCB) to control the occurrence of systematic risk can reduce credit growth, can impact the decrease in bank income.

2008

This research was aimed to know the relative effeciency levels of banks andstratification suitable with the vision of Indonesia Banking Architecture. In the vision, bankcategorized as much as the core capital owned by the bank.Thus, in 2010 there would be bankscategorized as BPR, focus bank, national and International bank. The samples in this researchwere 30 'go public' banks in Indonesia stock exchange while the data was taken from 2004 to2007. By using Data Envelopment Analysis, it could be known that banks categorized focusand national had efficiency level which was relative the same. Based on this research, it couldbe concluded that banks with little core capital (Rp100 million – Rp10 quintillion) had efficiencyability which was as good as the banks with more core capital (more than Rp 10 quintillion)

Jurnal Ilmiah Mahasiswa FEB, 2013

This research aims to investigate technical efficiency score of banks in Indonesia and examine its determinants i.e. foreign ownership, capital adequacy ratio, non-performing loan and size. Research samples were 53 foreign exchange banks that operated in Indonesia from 2010 until 2012. This research used Data Envelopment Analysis (DEA) to measure efficiency score. The result reveals that scores of technical efficiency show an increasing trend over 2010-2012. Another results shows larger banks can achieve more efficiency. Also, management of non-performing loan is an important factor in improving bank efficiency. On the contrary, foreign ownership of bank and capital adequacy ratio are not able to improve the efficiency in Indonesian banks.

JURNAL AKUNTANSI, 2020

This study aims to make a quadrant analysis to determine the performance of Islamic banks in Indonesia by comparing the level of efficiency through the Data Envelopment Analysis (DEA) method and the level of productivity through the Malmquist Productivity Index. Both approaches are very suitable for Islamic banks in Indonesia because they will find more comprehensive results, because the results obtained are not only the result of comparing one component. The study was conducted on Islamic banks in Indonesia in the period 2013 to 2017. The results showed that the bank with the highest level of efficiency was Panin Syariah Bank while the bank with the lowest efficiency was Mega Syariah Bank. The highest level of efficiency of sharia banks occurred in 2015. The bank with the highest level of productivity was Maybank Syariah while the bank with the lowest level of productivity was Panin Syariah. The results of the quadrant analysis show that the banks that have the best performance namely high efficiency and high productivity are Bank Muamalat and MayBank Syariah. Whereas the banks with the lowest performance were Mega Syariah Bank, BCA Syariah Bank and Victoria Syariah Bank.

Al-Muzara'ah, 2016

The aim of this study is to measure the efficiency of Islamic Bank in Indonesia and to analyze the factors that affect the level of efficiency. The objects of this study are ten Islamic Bank (BUS) in Indonesia which analyzes from the second quarter of 2012 until the first quarter of 2016. There are three method which are used in this study, two in first stage, namely non parametric method of Data Envelopment Analysis (DEA) and parametric method of Stochastic Frontier Approach (SFA) then the second stage is Tobit estimaton. Overall, the results showed that the efficiency level of Islamic banks in Indonesia during the time period in this study have not reached the optimum level of efficiency yet. Tobit estimation showed that total financing, total wadiah funds, CAR, ROE, total overhead cost significantly affect the Islamic bank`s efficiency in Indonesia.

Jurnal Ilmiah Mahasiswa Feb, 2014

Penelitian ini bertujuan untuk mengetahui tingkat efisiensi bank umum di Indonesia selama periode tahun 2008 hingga tahun 2011. Penelitian ini juga bertujuan untuk mengetahui variabel apa saja yang masih berpotensi untuk ditingkatkan efisiensinya. Data penelitian ini didapatkan dari laporan keuangan bank yang dipublikasikan pada direktori perbankan Bank Indonesia (BI). Penelitian ini menggunakan 6 variabel terdiri dari 3 variabel input dan 3 variabel output. Variabel input terdiri dari biaya personalia, biaya bunga, dan biaya selain bunga sedangkan variabel output terdiri dari aktiva produktif, pendapatan bunga dan pendapatan selain bunga. Penelitian ini menggunakan pendekatan data envelopment analysis (DEA). Berdasarkan pendekatan DEA, bank dinyatakan telah beroperasi dengan efisien bila nilai efisiensi yang diperoleh bank tersebut 100%. Bank beroperasi kurang efisien bila nilai efisiensi yang didapat kurang dari 100%. Hasil penelitian ini menunjukkan bahwa tingkat efisiensi bank umum di Indonesia bervariasi mulai dari yang telah beroperasi dengan efisien sampai dengan yang beroperasi kurang efisien. Bank yang efisien selama periode penelitian terdapat Bank Mandiri, Bank Rakyat Indonesia, dan Bank Central Asia. Sedangkan untuk variabelnya, tidak ada variabel baik input dan output dari bank yang diteliti yang semuanya efisien selama periode penelitian.

Sustainable Competitive Advantage, 2017

The purpose of this study is as a basis for policy making parties concerned, especially Bank Indonesia and Islamic Banks in Indonesia on assessment performance, especially from the aspect of efficiency. Efficiency as a description of the management of its resources to be channeled into the best possible output. Research was conducted on Islamic Banks in Indonesia from 2007 to 2015 with annual data. The research method used to analyze the efficiency of which is a nonparametric approach Data Envelopment Analysis (DEA). Tools used are Maxdea Version 6.6. The results showed that most Islamic banks have not been efficient. As for Islamic Banks experiencing technically efficient namely BRI Syariah in 2007 and 2008, Panin Syariah in 2012 and Maybank Syariah in 2011, 2013 and 2015. Some of the causes of inefficiency is technically a lack of financing at 38%, lack of operating revenues of 60%, too many third party funds and the cost of labor each by 1%. Keywords: islamic banks, efficiency, DEA

2016

The Indonesian banking sector has experienced a process consolidation which has caused concerns banking performance lowering. This paper analyzes the influence of efficiency hypothesis in the Indonesian banking performance. Using data envelopment analysis, we estimate aset, deposit, expenses and other expenses as input and credit and net income before tax as output between for 2010-2015 in Qaurterly. The bank efficiency variabel proxy by technical efficiency (ESX) has negatif raletionship with bank performance (Return On Capital Employed) This result, therefore, no corfirms the existence of efficiency hypothesis. We proposed for improving banking industry. They are : 1. Bank which has less efficiency should evaluate their performance by did potential improvement and establish strategic which refers to bank which has good efficiency. 2. Incentives for banks which have good efficiency. Kata kunci:Banking industry, efficienc hyothesis .

2018

Penelitian ini bertujuan untuk menganalisis efisiensi dan produktivitas bank umum konvensional di Indonesia. Analisis efisiensi menggunakan pendekatan Data Envelopment Analysis (DEA) dan analisis produktivitas menggunakan Malmquist Productivity Index (MPI). Hasil analisis terhadap 106 bank umum konvensional yang terbagi atas 5 bank kategori BUKU IV, 12 bank kategori BUKU III, 33 bank kategori BUKU II, dan 56 bank kategori BUKU I diperoleh hasil, pertama: tingkat efisiensi bank umum konvensional di Indonesia selama tahun 2006 – 2015 menunjukkan tingkat efisiensi yang relatif lambat dan rendah; kedua: produktivitas bank umum konvensional rata – rata rendah dengan pertumbuhan produktivitas selama 2010 – 2015 hanya 0,5 persen; Ketiga: sebagian besar bank umum konvensional berada pada kuadran 4 yakni memiliki tingkat efisiensi dan produktivitas yang relatif rendah atau memiliki kinerja yang buruk ( poor performance ). Disusul dengan bank yang masuk pada kuadran 3 yakni bank dengan tingka...

2016

Penelitian ini bertujuan untuk menganalisis tingkat efisiensi Bank Pembangunan Daerah (BPD) di Indonesia selama periode 2005 – 2014. Penelitian ini juga bertujuan untuk mengetahui variabel apa saja yang masih berpotensi untuk ditingkatkan efisiensinya dan menganalisis determinannya yang meliputi tingkat profitabilitas, tingkat kesehatan, skala usaha dan tingkat resiko. Data yang digunakan dalam penelitian ini adalah data sekunder yang berasal dari laporan keuangan 26 BPD yang tercatat atau dipublikasikan pada Otoritas Jasa Keuangan (OJK) dan Bank Indonesia (BI). Penelitian ini menggunakan 2 metode untuk mengukur tingkat efisiensi teknis BPD yaitu metode non parametrik dengan pendekatan Data Envelopment Analysis (DEA) asumsi VRS-Input Oriented pada tahap pertama dan model regression pada tahap kedua. Hasil penelitian ini menunjukkan bahwa tingkat efisiensi BPD di Indonesia bervariasi mulai dari yang telah beroperasi dengan efisien sampai dengan yang beroperasi k...