ESTIMASI DAN FAKTOR-FAKTOR YANG MEMENGARUHI EFISIENSI BANK DOMESTIK DAN ASING DI INDONESIA

Moch. Fathony

Abstract


The objective of this study was to evaluate the performance of the technical efficiency of domestic banks andforeign banks in Indonesia during the period 2008-2009 using a two-stage analysis. The first phase of testingusing the method of Data Envelopment Analysis (DEA) showed that foreign-owned banks efficiently producedhigher performance than domestic-owned banks. The second phase of testing showed that the size of the bank,the net interest margin (NIM), and non-performing loans (NPL), had a positive and significant effect on theperformance efficiency of the domestic and foreign banks. Return on assets (ROA) had a positive but notsignificant effect on the performance efficiency of domestic banks. While for foreign banks, ROA had a positiveand significant effect on performance efficiency. The capital adequacy ratio (CAR) had a positive and signifi-cant effect on the performance efficiency of domestic banks, while for foreign banks, the CAR had positive butnot significant effect on performance efficiency. Operational costs had a significant negative influence on theperformance efficiency of the domestic and foreign banks.

Keywords


technical efficiency, data envelopment analysis, domestic bank, foreign bank

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Jurnal Keuangan dan Perbankan (Journal of Finance and Banking)

Diploma Program of Banking and Finance, Faculty of Economics and Business, University of Merdeka Malang

Published by University of Merdeka Malang

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