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THE DETERMINANTS OF BANK'S EFFICIENCY IN INDONESIA

Buletin Ekonomi Moneter dan Perbankan · Vol. 18 No. 2 (2015) · hlm. 129–156

DOI
10.21098/bemp.v18i2.520
ISSN
2460-9196, 1410-8046
Terbit
2015-12-02
Penerbit
Bank Indonesia
Bahasa
eng

Abstrak

This paper measures the efficiency of the banks using the intermediation approach and the Data Envelopment Analysis (DEA) on quarterly data of 108 conventional banks in Indonesia during the period of 2012Q1 to 2014Q4. The results shows that the Indonesian banking industry is inefficient in its intermediation function, which is in line with their financial indicators namely the total increasing asset, stable ROA of around 2-3%, and their Operating to Income Cost ratio of about 66-83%. Furthermore, we apply data panel estimation to estimate the determinant of this efficiency; the result shows the bank’s type, the Non Performing Loan (NPL), the Loan to Deposit Ratio (LDR), the size of the bank, the Cost Efficiency Ratio (CER), and the Capital Adequacy Ratio (CAR); significantly affect the bank’s efficiency in Indonesia.

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37 penulis · 80 tautan kepenulisan bersama · 21 lintas organisasi

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  • IPB University
  • Bank Indonesia
  • Universitas Trisakti
  • Indonesia Open University
  • Perbanas Institute
  • STIKES Hutama Abdi Husada
  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
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Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
Rifki IsmalBank Indonesia2
Tubagus Nur Ahmad MaulanaIPB University2
Kepas Antoni Adrianus ManurungIPB University1
Idqan FahmiIPB University1
Dedi Budiman HakimIPB University1
Arif Imam SurosoIPB University1
Rini Dwiyani HadiwidjajaIndonesia Open University1
Illah SailahIPB University1
Tatik MariyantiUniversitas Trisakti1
Lokot Zein NasutionUniversitas Trisakti1
Noer Azam AchsaniIPB University1
Zenal AsikinIPB University1
Ossi FerliAfiliasi tidak diketahui1
Anny RatnawatiIPB University1
Yati NuryatiAfiliasi tidak diketahui1
Heni HasanahIPB University1
Aviliani AvilianiPerbanas Institute1
Farida FaridaSTIKES Hutama Abdi Husada1
Nunung R NuryartonoIPB University1
Eka IntanBank Indonesia1
Syamsul Hidayat PasaribuIPB University1
Nadiah HidayatiIPB University1
Roy SembelAfiliasi tidak diketahui1
Abitur AsiantoIPB University1
Tanti NoviantiIPB University1
Faizal IrvansyahIPB University1
Tri WulandariIPB University1
Lukytawati AnggraeniIPB University1
Andrea Emma PravitasariIPB University1
Ernan RustiadiIPB University1
Sri WahyuniIPB University1
Reza MustafaAfiliasi tidak diketahui1
Irfan Syauqi BeikIPB University1
SuhendiIPB University1

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Sumber metadata: OAI-PMH (metadata jurnal) https://www.bmeb-bi.org/index.php/BEMP/oai, pertama di-harvest 8 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">THE DETERMINANTS OF BANK'S EFFICIENCY IN INDONESIA</dc:title>
	<dc:creator>Widiarti, Astoeti Wahjoe</dc:creator>
	<dc:creator>Siregar, Hermanto</dc:creator>
	<dc:creator>Andati, Trias</dc:creator>
	<dc:description xml:lang="en-US">This paper measures the efficiency of the banks using the intermediation approach and the&amp;nbsp;Data Envelopment Analysis (DEA) on quarterly data of 108 conventional banks in Indonesia during the&amp;nbsp;period of 2012Q1 to 2014Q4. The results shows that the Indonesian banking industry is inefficient in its&amp;nbsp;intermediation function, which is in line with their financial indicators namely the total increasing asset,&amp;nbsp;stable ROA of around 2-3%, and their Operating to Income Cost ratio of about 66-83%. Furthermore,&amp;nbsp;we apply data panel estimation to estimate the determinant of this efficiency; the result shows the bank’s&amp;nbsp;type, the Non Performing Loan (NPL), the Loan to Deposit Ratio (LDR), the size of the bank, the Cost&amp;nbsp;Efficiency Ratio (CER), and the Capital Adequacy Ratio (CAR); significantly affect the bank’s efficiency in&amp;nbsp;Indonesia.</dc:description>
	<dc:publisher xml:lang="en-US">Bank Indonesia</dc:publisher>
	<dc:date>2015-12-02</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:format>text/html</dc:format>
	<dc:identifier>https://www.bmeb-bi.org/index.php/BEMP/article/view/520</dc:identifier>
	<dc:identifier>10.21098/bemp.v18i2.520</dc:identifier>
	<dc:source xml:lang="en-US">Buletin Ekonomi Moneter dan Perbankan; Vol 18 No 2 (2015); 129-156</dc:source>
	<dc:source xml:lang="id-ID">Buletin Ekonomi Moneter dan Perbankan; Vol 18 No 2 (2015); 129-156</dc:source>
	<dc:source>2460-9196</dc:source>
	<dc:source>1410-8046</dc:source>
	<dc:source>10.21098/bemp.v18i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://www.bmeb-bi.org/index.php/BEMP/article/view/520/498</dc:relation>
	<dc:relation>https://www.bmeb-bi.org/index.php/BEMP/article/view/520/884</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2015 Astoeti Wahjoe Widiarti</dc:rights>
</oai_dc:dc>