Subandi_Abstract_1712013

DETERMINAN EFISIENSI DAN DAMPAKNYA TERHADAP KINERJA PROFITABILITAS INDUSTRI PERBANKAN DI INDONESIA
 
 
Subandi
Jurusan Administrasi Bisnis STIA- LAN (Lembaga Administrasi Negara)
Jl. Administrasi II Pejompongan Jakarta Pusat, 10260
Imam Ghozali
Fakultas Ekonomika dan Bisnis Universitas Diponegoro
Jl. Erlangga Tengah No.17 Semarang, 50241

Korespondensi dengan Penulis:
Subandi: Telp. +62 21 532 6726; Fax. +62 21 536 74562
E-mail: sbandi_08@ymail.com

 
Abstract
The Objective of this study was to estimate the factors influencing the level of technical efficiency of banks measured by a non-parametric Data Envelopment Analysis (DEA) and its impact on the profitability performance as measured by return on assets (ROA). This study applied panel data regression models with random effects approach to 110 conventional bank over 2006-2010. Based on estimation of the determinants of bank efficiency levels, it could be informed that bank size factors, types of banks, capital adequacy ratio, loans deposit ratio, operating expenses and net interest margin affected the level of technical efficiency significantly. At a later stage, estimation of the determinants of profitability showed that the factors like the bank size, types of banks, non-performing loans, loans deposit ratio, operating expenses and net interest margin significantly affected ROA. This study had implications both theoretically and managerially. Theoretical implications for this research provided an important contribution to the development of the theory of efficiency and financial performance. Finnaly the managerial implications of this research had the consequences of improving the efficiency and profitability performance, especially for the domestic banks.
 

Key words: bank size, loans deposit ratio, net interest margin, non-performing loans, operating expenses, return on assets, types of banks

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