PENGUATAN STABILITAS SISTEM KEUANGAN MELALUI PENINGKATAN FUNGSI INTERMEDIASI DAN EFISIENSI BANK PEMBANGUNAN DAERAH (BPD)

Endri Endri

Abstract


This article analyzed the function of the regional development banks (BPD) as anintermediary institution using loan to deposit ratio (LDR) and SBI to deposit ratio (SDR) andfinance efficiency performance with data envelopment analysis (DEA) approach. The data wasduring 2006-2007 covering 26 BPD in Indonesia. The result of study indicated that the regionaldevelopment banks did not play its optimal role as the intermediary institution and efficiencyperformance did not achieve the level of maximum (100%). For getting the optimal functionof banking intermediary and promoting better efficiencies, BPD needed to design some thegrand strategies that could be implemented in the future. They were: the limitation of BPDfunds placing in SBI notes, the cooperation inter BPD, focusing on certain market segmentation,diversification of funds source, and creating local credit guaranteeing institutions

Keywords


bank efficiency, bank intermediary, loan to deposit ratio (LDR), SBI to deposit ratio (SDR), data envelopment analysis (DEA)

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DOI: https://doi.org/10.26905/jkdp.v13i1.923

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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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