ESTIMASI DAN FAKTOR-FAKTOR YANG MEMENGARUHI EFISIENSI BANK DOMESTIK DAN ASING DI INDONESIA
Fakultas Ekonomi Universitas Jayabaya
Jl. Pulomas Selatan Kav 23, JakartaTimur 13210.
Korespondensi dengan Penulis:
Mochammad Fathony: Telp. +62 21 470 0906; Fax. +62 21 489 8628
The objective of this study was to evaluate the performance of the technical efficiency of domestic banks and foreign banks in Indonesia during the period 2008-2009 using a two-stage analysis. The first phase of testing using the method of Data Envelopment Analysis (DEA) showed that foreign-owned banks efficiently produced higher 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 the performance efficiency of the domestic and foreign banks. Return on assets (ROA) had a positive but not significant effect on the performance efficiency of domestic banks. While for foreign banks, ROA had a positive and significant effect on performance efficiency. The capital adequacy ratio (CAR) had a positive and significant effect on the performance efficiency of domestic banks, while for foreign banks, the CAR had positive but not significant effect on performance efficiency. Operational costs had a significant negative influence on the performance efficiency of the domestic and foreign banks.
Key words: technical efficiency, data envelopment analysis, domestic bank, foreign bank