EVALUASI EFISIENSI PERBANKAN DI INDONESIA BERDASARKAN KATEGORI JUMLAH MODAL INTI
DOI:
https://doi.org/10.26487/jbmi.v15i2.4131Abstract
Penelitian ini bertujuan untuk mengukur efisiensi pada industri perbankan dengan melihat modal inti yang dimiliki oleh masing-masing bank. Sebagai acuan untuk penelitian ini digunakan Peraturan OJK Nomor 6/POJK.03/2016 tentang Kegiatan Usaha dan Jaringan Kantor Berdasarkan Modal Inti Bank. Pada aturan ini, bank dibagi menjadi empat kategori BUKU. Semakin tinggi modal inti yang dimiliki suatu bank, semakin tinggi juga peringkat BUKU. Peneliti menggunakan variabel input biaya tenaga kerja, biaya bunga dan aset tetap, sedangkan variabel output terdiri atas kredit yang diberikan, pendapatan bunga dan pendapatan non bunga. Dalam mengukur efisiensi, digunakan pendekatan non parametrik yaitu Data Envelopment Analysis (DEA). Hasil penelitian adalah pertama, bank-bank yang masuk pada kategori BUKU 4 beroperasi lebih efisien dari bank pada BUKU kecil. Namun demikian perbedaan rerata tidak signfikan sehingga memunculkan hasil penelitian kedua yaitu, pembagian BUKU tidak berpengaruh pada skor efisiensi.Downloads
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