Analisis Faktor-faktor yang Mempengaruhi Efisiensi Bank BUMN BUKU EMPAT

Nasution, Sahruddin (2020) Analisis Faktor-faktor yang Mempengaruhi Efisiensi Bank BUMN BUKU EMPAT. Masters thesis, IPB University.

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Abstract

Banking efficiency is one indicator to measure the level of health and stability of a country's financial system. Banking total assets in Indonesia compared to other financial services institutions amounted to 76%. Bank BUKU Empat, which consists of 5 banks, contributed to the Total Assets of Conventional Commercial Banks amounted to 53.1%. Bank BUMN consisting: Bank BRI, Bank Mandiri, and Bank BNI contributed to 74.8% of the Total Assets of the Bank BUKU Empat. The significant contribution suggested that Bank BUKU Empat able to represents Conventional Commercial Banks, and the Bank BUMN has represented the condition of the Bank BUKU Empat in Indonesia. The ratio of BOPO and NIM as a proxy of efficiency uses only a single variable. Therefore, to get more comprehensive analysis is needed a method by using multiple variables, because many factors that affect banking efficiency. The research questions related to analysis the Efficiency of Bank BUMN BUKU Empat and its Determinants in Indonesia are: (1) How is the rate of the efficiency of Bank BUMN BUKU Empat in Indonesia? (2) What factors affected the rate of the inefficiency of the Bank BUMN BUKU Empat in Indonesia? To analysis the efficiency of Bank BUMN BUKU Empat in Indonesia is carried out using the Data Envelopment Analysis (DEA) method, so the inputoutput to be used must first be determined. The input variables used are Savings Total, Fixed Assets, and Labor Costs. The output variables used are Total Credit, Interest Income, and Non-Interest Income. The efficiency scores obtained are then analyzed again using the panel data regression to find out the factors that affected the efficiency of Bank BUMN BUKU Empat in Indonesia. Internal variables used are Assets Total (TA), Return on Assets (ROA), Share of saving (PDPK), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR). The external variables used are Inflation (INF), GDP Growth (GDP), Exchange Rate (ER). The results of the efficiency analysis using the Data Envelopment Analysis (DEA) method suggest that Bank BRI was the most efficient during the study period, with an average score of 0.9686. Bank Mandiri and Bank BNI obtained an average score of 0.9649 and 0.9397. Determinants causing inefficiencies at Bank BRI are high Labor Costs and low Non-Interest Income. Determinants causing inefficiency in Bank Mandiri is the number of Fixed Assets. Determinants causing inefficiency at Bank BNI are the number of Fixed Assets and the low-Interest Income. Bank BRI in improving efficiency must reduce Labor Costs or improve the performance of existing employees so that more productive in producing output through increased fees of transaction services. Bank Mandiri in improving efficiency must convert fixed assets to current assets that are more productive. In improving efficiency, Bank BNI must convert fixed assets to current assets that are more productive, to increase Credit Total and obtain higher Interest Income. The result of panel data regression suggests that overall, the independent variables simultaneously affected the efficiency score as the dependent variable. Results of t-Test suggest that the independent variables CAR, ER, INF, LDR, PDPK, ROA, and TA have a significant effect on the EF, while the independent variable GDP has no significant effect although it is positively related. The negative effect of the CAR variable is caused by banks having to deposit funds to Bank Indonesia, so that these funds cannot be distributed as credit. The positive effect of LDR is caused by the greater loan given to third parties, the higher the Interest Income obtained. The positive effect of PDPK is caused by the higher savings total owned by banks, the smaller the cost of funds. The positive influences of ROA variable suggest that the ability of banks to manage assets more effectively. The negative influences of TA are due to the more maintenance costs incurred for unproductive fixed assets. The positive effect of GDP reflects the economic growth of a country, where people need capital to increase production, and need banks to save funds. The negative effect of INF caused by rising inflation will reduce the ability of the people to save money and reduce the ability of debtors to pay off their obligations. ER has a positive effect on reflecting increased lending to exporters, proper placement of funds on the money market, and increasing international payment transactions.

Item Type: Thesis (Masters)
Uncontrolled Keywords: Bank BUMN BUKU Empat, DEA, Efisiensi, Regresi Data Panel, Efficiency, Panel Data Regression.
Subjects: Manajemen Keuangan
Depositing User: SB-IPB Library
Date Deposited: 15 Jun 2022 04:08
Last Modified: 15 Jun 2022 04:08
URI: http://repository.sb.ipb.ac.id/id/eprint/3869

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