Putri, Habibatuz Akbaricha and Prof. Dr. Ghozali Maski,, SE., MS. (2023) Analisis Cost Efficiency Bank Umum di Indonesia Selama Pandemi Covid-19 Periode 2020-2022. Sarjana thesis, Universitas Brawijaya.
Abstract
Kondisi pandemic Covid-19 berdampak pada sektor perbankan yang menyebabkan penurunan kinerja bank di tahun 2020 yang ditunjukkan dengan penurunan ROA sebesar 35.63%, kenaikan BOPO sebesar 9.06%, dan kenaikan NPL sebesar 20.95% (yoy). Penelitian ini bertujuan untuk mengestimasi efisiensi biaya perbankan pada masa pandemi periode 2020 – 2022. Sampel penelitian ini adalah 40 perusahaan bank yang terdaftar di Bursa Efek Indonesia selama periode penelitian. Metode penelitian yang digunakan adalah stochastic frontier analysis (SFA) untuk mengestimasi cost efficiency bank dan regresi komponen utama untuk mengestimasi determinan cost efficiency bank. Ditemukan bahwa rata-rata cost efficiency pada bank di Indonesia mengalami kenaikan setiap tahunnya masing-masing sebesar 0.720925 pada tahun 2020, 0.773875 pada tahun 2021, dan 0.818744 pada tahun 2022. Faktor yang mempengaruhi cost efficieny yaitu NPL dan LDR memiliki pengaruh signifikan negatif terhadap cost efficiency, sedangkan ROA memiliki pengaruh signifikan positif terhadap cost efficiency.
English Abstract
The condition of the Covid-19 pandemic had an impact on the banking sector which caused a decline in bank performance in 2020 as indicated by a decrease in ROA of 35.63%, an increase in BOPO of 9.06%, and an increase in NPL of 20.95% (yoy). This study aims to estimate banking cost efficiency during the pandemic period 2020 – 2022. The sample of this study was 43 bank companies listed on the Indonesia Stock Exchange during the study period. The research method used is stochastic frontier analysis (SFA) to estimate the cost efficiency of a bank and principal component regression to estimate the determinant of a bank’s cost efficiency. It was found that the average cost efficiency of banks in Indonesia has increased every year by 0.720925 in 2020, 0.773875 in 2021 and 0.818744 in 2022 respectively. The factors that affects cost efficiency is NPL and LDR are significantly negative effect on cost efficiency, while ROA was significanly positive effect on cost efficiency.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | :0523020268 |
| Uncontrolled Keywords: | SFA, Principal component regression, Banking |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Unnamed user with username nova |
| Date Deposited: | 11 Dec 2023 02:37 |
| Last Modified: | 11 Dec 2023 02:37 |
| URI: | http://repository.ub.ac.id/id/eprint/205124 |
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