Analisis efisiensi kantor cabang bank, studi kasus: kantor kas bank btn di wilayah dki jakarta

Maryono, Tri (2017) Analisis efisiensi kantor cabang bank, studi kasus: kantor kas bank btn di wilayah dki jakarta. Masters thesis, Institut Pertanian Bogor.

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Official URL: http://lib.sb.ipb.ac.id/

Abstract

In the 21st century, the banking industry faces a combination of pressure unprecedented. A unique competitive advantage required the Bank to be able to survive under pressure. According to (Widyastuti and Armanto 2013) inter-bank competition may occur due to the seizure of productive resources such as checking, savings, deposits and loans, competition in an effort to attract customers as much - many with gifts and promotional programs, products and new types of services are supported with the development of technology that can reduce the cost of production and distribution. Competition among banks able positive effect on the level of health through the transmission efficiency (Schaeck and Čihák 2008). Meanwhile, according to The Competition-Inefficiency Hypothesis, (Boot and Schmeijts 2005) found a negative correlation between the level of competition and efficiency may occur on the banking structure with a high-level of competition. Slowing credit growth during the past three years (2013-2015) in Indonesia has been pressing income of The Banking Industry with 75% of that income still contributed by interest income. Two challenges now faced by banks in Indonesia: first, continue crawled of NPL, and seconds is skyrocketing on operational costs (Overhead Cost) incurred by banks because there was a period where banks compete to expand the distribution channel (delivery channels) network mainly physical office which requires investment and leads to greater operating costs (Karnoto 2016). This study aimed to analyze the level of efficiency of the cash office at Bank BTN in Jakarta. This study also identifies factors that affect the level of efficiency includes rental costs of buildings, labor costs, other operating costs, the level of competence of the head of the cash office as well as the location of the cash office located. The analyzes were performed on 112 cash offices in DKI Jakarta in 2013-2015 by using two stages DEA analysis. DEA analysis using variable return to Scale (VRS) approach with output maximization. To determine the factors - factors that affect the level of efficiency of the cash office used multiple regression analysis with OLS approach. The analysis results showed that the average score of the technical efficiency of the bank BTN Cash Office in Jakarta during the years 2013 - 2015 is relatively inefficient despite showing an increase of 69.29% in 2013 to 76.08% in 2015. Building rental costs and labor costs significantly affect the efficiency score BTN Cash Office in Jakarta in 2015. The variable another operational cost does not affect the level of efficiency. The dummy variable competence of the head office's cash and cash office locations are affecting the efficiency score BTN cash offices in Jakarta at the significant level (α) = 10%. The differences on Cash Office location shows the average level of efficiency is different. The selection of qualified and competent human resources in their field along with the selection of appropriate cash office location will affect the success of the fund from the society so that can affect the efficiency

Item Type: Thesis (Masters)
Uncontrolled Keywords: efisiensi, kantor kas, lokasi, pendekatan produksi, two stage DEA, Ordinary Least Square, OLS, Variabel Return To Scale (VRS) cash office, efficiency, location, production approach, two stage DEA.
Subjects: Manajemen Keuangan
Depositing User: SB-IPB Library
Date Deposited: 23 Feb 2018 02:09
Last Modified: 23 Feb 2018 02:09
URI: http://repository.sb.ipb.ac.id/id/eprint/2993

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