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The Efficiency of Commercial Banks in Financing MSME in Indonesia

Journal of Economic Education · Vol. 8 No. 1 (2019) · hlm. 39–47

DOI
10.15294/jeec.v8i1.30458
ISSN
2301-7341
Terbit
2019-05-16
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

This study aims to analyze the efficiency of commercial banks in MSME financing before and after the existence of Bank Indonesia Regulation Number 17/12/PBI/2015 in Indonesia. The data used in this study was data originating from 52 commercial banks that were recorded in the Financial Services Authority (OJK). The data analysis technique used in this study is a non-parametric method with a Data Envelopment Analysis (DEA) approach with input variables consisting of financial capital, third-party funds, operational costs, and the output variable used is MSME financing. The results showed that before the existence of Bank Indonesia Regulation Number 17/12/PBI/2015 there were seven commercial banks that were efficient in financing MSMEs, and after that regulation, there were twelve efficient commercial banks in financing MSMEs. The results showed that the significance value of 0.955 was greater when compared with the alpha value of 0.05. This proves that there is no difference in efficiency before and after the existence of Bank Indonesia Regulation Number 17/12/PBI/2015.

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  • State University of Semarang
  • Universitas Bhayangkara Surabaya
  • National Research and Innovation Agency
  • Padjadjaran University
  • Universitas Muhammadiyah Lamongan
  • Yogyakarta State University
  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
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Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
Nina OktarinaAfiliasi tidak diketahui6
Tri SuminarAfiliasi tidak diketahui4
Tri Joko RaharjoAfiliasi tidak diketahui3
Muhammad KhafidAfiliasi tidak diketahui3
Haryono HaryonoUniversitas Bhayangkara Surabaya3
Ketut SudarmaAfiliasi tidak diketahui3
P. Eko PrasetyoAfiliasi tidak diketahui3
Kardoyo KardoyoAfiliasi tidak diketahui3
Andryan SetyadharmaAfiliasi tidak diketahui3
Amin YusufAfiliasi tidak diketahui3
Heri YantoState University of Semarang3
Suyatno SuyatnoNational Research and Innovation Agency2
I Made SudanaAfiliasi tidak diketahui2
Titi PrihatinAfiliasi tidak diketahui2
Wijang SakitriAfiliasi tidak diketahui2
Samsudi SamsudiAfiliasi tidak diketahui2
Beni HabibiAfiliasi tidak diketahui2
Soesanto SoesantoAfiliasi tidak diketahui2
Amin PujiatiState University of Semarang2
Sucihatiningsih Dian Wisika PrajantiAfiliasi tidak diketahui2
Dorojatun PrihandonoState University of Semarang2
Joko WidodoState University of Semarang2
Agus WahyudinPadjadjaran University2
Eko HandoyoUniversitas Muhammadiyah Lamongan2
Wagiran WagiranYogyakarta State University2
Tri Joko RaharjoAfiliasi tidak diketahui2
Siti RahmawatiAfiliasi tidak diketahui1
Bambang SubaliAfiliasi tidak diketahui1
Harianingsih HarianingsihAfiliasi tidak diketahui1
Nur Amilatus SaadahAfiliasi tidak diketahui1
Abdul KodirAfiliasi tidak diketahui1
Slamet SurosoAfiliasi tidak diketahui1
Cahyo Budi UtomoState University of Semarang1
Muhammad JuainiAfiliasi tidak diketahui1
Made SudanaAfiliasi tidak diketahui1
S MartonoState University of Semarang1
Dewi NovianasariAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/sju/index.php/jeec/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">The Efficiency of Commercial Banks in Financing MSME in Indonesia</dc:title>
	<dc:creator>Puspitasari, Saras Meilia</dc:creator>
	<dc:creator>Rusdarti, Rusdarti</dc:creator>
	<dc:creator>Murwatiningsih, Murwatiningsih</dc:creator>
	<dc:description xml:lang="en-US">This study aims to analyze the efficiency of commercial banks in MSME financing before and after the existence of Bank Indonesia Regulation Number 17/12/PBI/2015 in Indonesia. The data used in this study was data originating from 52 commercial banks that were recorded in the Financial Services Authority (OJK). The data analysis technique used in this study is a non-parametric method with a Data Envelopment Analysis (DEA) approach with input variables consisting of financial capital, third-party funds, operational costs, and the output variable used is MSME financing. The results showed that before the existence of Bank Indonesia Regulation Number 17/12/PBI/2015 there were seven commercial banks that were efficient in financing MSMEs, and after that regulation, there were twelve efficient commercial banks in financing MSMEs. The results showed that the significance value of 0.955 was greater when compared with the alpha value of 0.05. This proves that there is no difference in efficiency before and after the existence of Bank Indonesia Regulation Number 17/12/PBI/2015.</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2019-05-16</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:identifier>https://journal.unnes.ac.id/sju/jeec/article/view/30458</dc:identifier>
	<dc:identifier>10.15294/jeec.v8i1.30458</dc:identifier>
	<dc:source xml:lang="en-US">Journal of Economic Education; Vol 8 No 1 (2019): June 2019; 39 - 47</dc:source>
	<dc:source>2301-7341</dc:source>
	<dc:source>10.15294/jeec.v8i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/sju/jeec/article/view/30458/13388</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2019 Journal of Economic Education</dc:rights>
</oai_dc:dc>