Faktor yang Mempengaruhi Efisiensi Bank pada Sektor Perbankan yang Tercatat di Bursa Efek Indonesia

Authors

  • Ghaissan Rafif Universitas Trisakti , Indonesia
  • Balqis Zaskia Olivia Putri Universitas Trisakti , Indonesia
  • Andjani Putri Ramadhini Universitas Trisakti , Indonesia
  • Nuroksihah Putri Sandy Universitas Trisakti , Indonesia
  • Farah Margaretha Leon Universitas Trisakti , Indonesia

DOI:

https://doi.org/10.31004/jptam.v8i1.13155

Keywords:

Efisiensi Bank, Jumlah Cabang, Risiko Likuiditas, Risiko Kredit, Ukuran Bank, Tingkat Kapitalisasi, Aset Tetap, Pertumbuhan PDB, Tingkat Inflasi, ROE

Abstract

Efisiensi dalam perbankan telah diteliti bahwa salah satu parameter operasional yang banyak digunakan karena memberikan jawaban atas permasalahan kesulitan dalam menghitung ukuran kinerja bank. Pengukuran efisiensi memungkinkan manajer untuk mengukur kinerja bank dan mengeksplorasi area inefisiensi untuk perbaikan di masa depan. Studi ini mengidentifikasi faktor- faktor yang mempengaruhi efisiensi pada 34 bank yang terdaftar di Bursa Efek Indonesia selama periode 2019-2022. Penelitian ini menggunakan Data Envelopment Analysis Approach (DEA) dan Model Regresi Logit dan Probit untuk mengevaluasi hipotesis penelitian. Hasil model Logit menunjukkan bahwa tata kelola perusahaan, kepemilikan global akhir, dan laba atas ekuitas memiliki pengaruh yang signifikan dan positif secara statistik terhadap Efisiensi bank. Tata kelola perusahaan yang lebih baik dapat membantu bank mengendalikan risiko dan biaya modal serta meningkatkan efektivitas permodalan. Demikian pula, bagi investor untuk manajemen risiko bank yang lebih baik dapat menghasilkan keputusan operasional dan strategis yang lebih baik dalam lingkungan perbankan yang kompetitif sehingga akan meningkatkan profit. Hasil penelitian menunjukkan bahwa mengikuti skala pengembalian variabel, berdasarkan orientasi input dan output, untuk mengukur efisiensi pada bank. Kemudian, model regresi Tobit digunakan pada tahap kedua untuk memeriksa faktor-faktor penentu yang signifikan dari daftar faktor spesifik bank untuk berbagai efisiensi. Hasil model regresi Tobit mengkonfirmasi bahwa ROA dan tingkat modal berhubungan secara signifikan terhadap semua jenis efisiensi pada bank swasta. Efisiensi bank tumbuh seiring dengan peningkatan jumlah cabang, ukuran bank, dan risiko kredit. Namun ketika risiko likuiditas dan log aset tetap meningkat maka efisiensi bank akan menurun. Tingkat kapitalisasi, log PDB, dan inflasi, sebaliknya, tidak mempengaruhi efisiensi bank. Oleh karena itu, perbankan harus mencermati aspek-aspek yang mempengaruhi efisiensi teknis pada bank.

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Published

23-01-2024

How to Cite

Rafif, G., Putri, B. Z. O., Ramadhini, A. P., Sandy, N. P., & Leon, F. M. (2024). Faktor yang Mempengaruhi Efisiensi Bank pada Sektor Perbankan yang Tercatat di Bursa Efek Indonesia. Jurnal Pendidikan Tambusai, 8(1), 4982–4997. https://doi.org/10.31004/jptam.v8i1.13155

Issue

Vol. 8 No. 1 (2024): April 2024

Section

Articles of Research

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