sparta, sparta (2023) Risiko Kredit Dan Efisiensi Perbankan Di Indonesia. REPUBLIK INDONESIA KEMENTERIAN HUKUM DAN HAK ASASI MANUSIA, jakarta.
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2.5. sertifikat E-Haki Sparta-risiko kredit & efiseinsi perbankan.pdf Download (2MB) | Preview |
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Abstract
This Research goals are to examine and to analyze the level of banking efficiencyin Indonesia using SFA, to examine the impact of risk on bank efficiency in Indonesia, to examine the effect of the control variables and specific macroeconomic banks to the level of risk and banking efficiency in Indonesia. The sample are 107 conventional banks in Indonesia and the number of observation in 1177 during the period 2001 to 2011. Efficiency measurement uses stochastic frontier approach bank and bank risk measurement uses the ratio of non-performing loans. The dependent variable used in the first study equation is nonperforming loans and in the second equation is the bank score efficiency. Control variables are capital adequacy, asset growth, the percentage of foreign ownership, the percentage of government ownership, the percentage of public ownership, GDP growth and the bank loangrowth. The result shows that the average level of banking efficiency during the study period is 69.98%. Overall the average level of conventional banks efficiency per year increase from 61.26% in 2001 to 78.76% in 2011. This study provides empirical evidence that the risk of banks affect bank efficiency. Banks efficiency level are positively significant influenced mainly by the growth of GDP and the level of efficiency last year and negatively significant influenced by the bank risk. Empirical results of this study have implications for practitioners banks, institutions banking authorities or the FSA and the development of the theory of risk associated with relationship banks and banking efficiency as well as consideration of other factors that influence risk and efficiency as the results of this study.
| Item Type: | Other |
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| Uncontrolled Keywords: | Bank risk, bank efficiency, stochastic frontier approach, bank capital adequace, Gross domestic Bruto |
| Subjects: | H Social Sciences > HF Commerce > HF5601 Accounting |
| Divisions: | Prodi S1 Akuntansi |
| Depositing User: | Sparta Sparta |
| Date Deposited: | 31 Jan 2023 15:26 |
| Last Modified: | 13 Jul 2023 05:29 |
| URI: | http://repository.ibs.ac.id/id/eprint/5736 |
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