Tingkat efisiensi bank dalam kategori buku 3 dan buku 4 di indonesia

Wulandari, Yulia Caesariani (2020) Tingkat efisiensi bank dalam kategori buku 3 dan buku 4 di indonesia. Masters thesis, IPB University.

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Abstract

Banking is one of industries that has a vital contribution for the Economy. Banking plays a role in increasing bank health ratio along with its efficiency condition. The comparison in Operational Efficiency Ratio (OER) can be an important indicator that is capable to show the efficiency condition performed by a bank. OER ratio for category (Bank Umum Kelompok Usaha) BUKU 1 and BUKU 2 tends to increase in opposed to BUKU 3 and also compared to fluctuative feature of BUKU 4 with values far below BUKU 1, 2, and 3. Lower OER of a certain bank yields better efficiency performance in the same bank. Increasing operational load can create some risks for the bank despite existing risks posed by some other businesses. However, the calculation of efficiency by using OER still has some weaknesses. Therefore, the efficiency calculation with Data Envelopment Analysis (DEA) is recommended. Starting from year 2017, there has been an increase in number of BUKU 4 banks until year 2019 with six in total. This trend of level upgrading from BUKU 3 to BUKU 4 becomes a sign of competition occurs among banks in Indonesia. With more BUKU 4 banks originating from private banks with BUKU 3, the probability that such tight competition becomes less dominated by big banks is higher. According to the explanation above, this research uses category BUKU 3 and BUKU 4 as a sample due to their highest core capital. This research is focused on explaining bank efficiency with input data and output by implementing DEA. The data is collected as sampled secondary data from 13 banks of BUKU 3 and four banks of BUKU 4 during the period of 2007 – 2019. Based on the results, we know that there is only one BUKU 4 bank which is BBNI (PT Bank Negara Indonesia (Persero) Tbk) that yielded ineffieciency for six years in a row by using an approach called Constant Returns to Scale (0,775; 0,818; 0,905; 0,944; 0,985; 0,948) correlated linearly and proportionally with the inputs. The Pearson correlation values between efficiency and labor cost, interest load, and total asset are 0,81, 0,76, and 0,72 respectively. On the other hand, the Spearman correlation values for those inputs are 0,94, 0,94, and 0,81. Based on the result of data processing, there are four banks of BUKU 3 that show inefficiency by using an approach Variable Returns to Scale for more than four years which are BTPN (PT Bank Tabungan Pensiunan Nasional Tbk), BJBB (Bank Pembangunan Daerah Jawa Barat dan Banten Tbk), BBTN (Bank Tabungan Negara (Persero) Tbk), dan MEGA (Bank Mega Tbk). For BTPN, the Pearson correlation against efficiency gives moderately significant values in labor cost, interest load, total asset with 0,74, 0,75, and 0,82 respectively. Similarly, the Spearman correlation values show proportional feature towards efficiency with 0.8 and 0,9 for labor cost and interest load, yet interestingly not significant for total asset which is 0.5. For BJBB and BBTN, none of the Pearson and Spearman correlation values are significant which explains that the inputs are not linearly nor proportionally correlated with efficiency. In contrast, an interesting case can be observed from MEGA which shows inverse proportionality relationship between efficiency and labor cost and total asset given by Pearson and Spearman correlation. However, the causality relationship can not be inferred from these results.

Item Type:	Thesis (Masters)
Uncontrolled Keywords:	Bank Kategori BUKU 3, Bank Kategori BUKU 4, Data Envelopment Analysis, Efisiensi Bank Category BUKU 3, Bank Category BUKU 4, Data Envelopment Analysis, Efficiency
Subjects:	Manajemen Keuangan
Depositing User:	SB-IPB Library
Date Deposited:	01 Aug 2022 04:54
Last Modified:	01 Aug 2022 04:54
URI:	http://repository.sb.ipb.ac.id/id/eprint/3903

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