Andi Wijayanto_abstract_1412010

KINERJA EFISIENSI FUNGSI INTERMEDIASI BANK PERSERO
DI INDONESIA DENGAN MENGGUNAKAN
DATA ENVELOPMENT ANALYSIS (DEA)

Andi Wijayanto
Sutarno
Jurusan Administrasi Bisnis FISIP Universitas Diponegoro
Jl. Imam Bardjo, SH. No.1 Semarang

Korespondensi dengan Penulis:
Andi Wijayanto: Telp. +62 24 841 4513, Fax. +62 24 844 9629
E-mail: andibilt@gmail.com

Abstract
The purposes of this study were to measure the efficiency level of state bank in Indonesia, to identify which bank had the best efficiency level, and to find efficiency determinants of state bank in Indonesia. Analytical technique used was the DEA (Data Envelopment Analysis). Input and output variables used intermediary function of Starvarek model. Four banks were chosen as samples by using purposive sampling. The result of the study showed that state bank in Indonesia had a good relatively efficient level. BRI, BTN, and Bank Mandiri had a relative efficiency level reaching 100%, while BNI was the only bank that was relatively inefficient with relative efficiency score 88.5%. Number of human resources, the total variable credit and short term securities became the dominant determinant of the efficiency of state banks in Indonesia. Inefficient companies should have increased efficiency by performing input or output maximization. Although the BRI, BTN, and Bank Mandiri had proven relatively high efficiency, the efficiency was not a peak performance they could achieve, meaning that the current level of efficiency could still be improved higher by input and/or output maximization; potential improvements that could be achieved by BNI were reducing the fixed assets and software, the amount of labor, the total deposit (input) and increasing the total credit.

Key words: bank efficiency, intermediary function, Data Envelopment Analysis

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