Faktor-Faktor Yang Mempengaruhi Efisiensi Perbankan Suatu Studi Pada Bank Swasta Yang Terdaftar Di Bursa Efek Indonesia

liviawati, liviawati and Wardi, Jeni and Putri, Gusmarika Eka (2019) Faktor-Faktor Yang Mempengaruhi Efisiensi Perbankan Suatu Studi Pada Bank Swasta Yang Terdaftar Di Bursa Efek Indonesia. Jurnal Akuntansi Kompetif, 2 (3). pp. 95-101. ISSN 2622-5379

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Abstract

Banks that have good management if the bank can show good performance in this case are reflected by how much the bank's ability to make efficiency in its operations. Efficiency is a capability or ability of banks to obtain bank profits or profits with minimal costs. In the first quarter of 2016 several banks such as Bank Mandiri experienced a decline in profit, followed by BTPN, Artha Graha and others. The decline in bank profits was caused by these banks operating inefficiently. In the last few semesters researchers have conducted research on the factors that affect the profitability of banks where researchers have conducted research in private banks, BPRs, and SOEs where the results of the study indicate that the decline in profitability was caused by inefficient banks. the value of efficiency is measured by the ratio of financial efficiency, namely BOPO. The purpose of this study is to examine the effect of capital on bank efficiency, to test the effect of liquidity on bank efficiency, to examine the effect of net interest margins on bank efficiency, to examine the effect of risk on bank efficiency and to examine the effect of ownership on bank efficiency. The results of this study found that there are 3 factors that partially affect the efficiency of private banks, namely company size, CAR, and NPL, while LDR, NIM, and market interest rates do not affect the efficiency of private banks. And these 6 factors simultaneously affect the efficiency of private banks, this can be seen by the magnitude of the influence of these 6 factors that is equal to 83.7%.

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