ANALISIS FAKTOR PENENTU TINGKAT EFISIENSI PERBANKAN DI INDONESIA PADA TAHUN 2012-2014 DENGAN MENGGUNAKAN PENDEKATAN TWO STAGE DATA ENVELOPMENT ANALYSIS

Abstract

The study consisted of two stages, the first stage using Data Envelopment Analysis which aims to analyze the level of efficiency of banking in Indonesia in 2012-2014, using a sample of 87 conventional banks. The second stage used tobit methods aims to analyze suspected the factors to affect the level of bank efficiency consists of the level of profitability, the size of banks, credit risk, economic growth, and the number of bank branches.

The result in the first stage using DEA analysis indicates that there are only five banks were 100% efficient during the study period include: Bank Central Asia Tbk, Bank Negara Indonesia Tbk, Bank Mandiri Tbk, Bank Danamon Tbk, and Bank of India Tbk.

In the second stage using tobit methods, it is known that the level of profitability and the bank size influence on the bank efficiency. Credit risk, economic growth and the number of bank branches have no effect on the efficiency of banking in Indonesia.

Keywords: bank efficiency, data envelopment analysis, tobit.