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Tingkat Persaingan Dan Efisiensi Intermediasi Perbankan Indonesia

Author

Listed:
  • Januar Hafidz

    (Bank Indonesia)

  • Rieska Indah Astuti

    (Bank Indonesia)

Abstract

Industri perbankan masih memegang peranan terbesar dalam sistem keuangan Indonesia dengan pangsa 75% pada akhir 2012. Oleh karena itu, sektor perbankan harus dapat beroperasi secara efisien, sehat, dan stabil untuk mendorong pertumbuhan ekonomi yang berkelanjutan. Tingkat efisiensi bank dipengaruhi oleh banyak faktor, salah satunya adalah tingkat persaingan. Oleh karena itu, penelitian ini mencoba untuk menganalisis perkembangan tingkat persaingan dan efisiensi perbankan Indonesia serta hubungan antara keduanya. Metode Herfindahl Hirschman Index (HHI), Concentration Ratio (CR), Indeks Panzar Rosse, dan indikator Boone menunjukkan bahwa tingkat persaingan perbankan Indonesia cenderung mengalami peningkatan. Selain itu, tingkat efisiensi perbankan juga mengalami peningkatan dilihat dari tren rasio BOPO serta nilai efisiensi yang dihasilkan dari metode Data Envelopment Analysis (DEA) dan Stochastic Frontier Analysis (SFA). Analisis hubungan antara kompetisi dan efisiensi yang dilakukan dengan metode Granger Causality Test menunjukkan bahwa “competition-efficiency hypothesis†berlaku pada perbankan Indonesia dengan peningkatan pada persaingan akan mendorong bank untuk semakin beroperasi lebih efisien.

Suggested Citation

  • Januar Hafidz & Rieska Indah Astuti, 2013. "Tingkat Persaingan Dan Efisiensi Intermediasi Perbankan Indonesia," Working Papers WP/03/2013, Bank Indonesia.
    • Handle: RePEc:idn:wpaper:wp032013
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    File URL: http://publication-bi.org/repec/idn/wpaper/WP032013.pdf
    File Function: First version, 2013
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    Citations

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    Cited by:

    1. Sajida Sari & Shochrul Rohmatul Ajija & Wasiaturrahma Wasiaturrahma & Raja Adzrin Raja Ahmad, 2022. "The Efficiency of Indonesian Commercial Banks: Does the Banking Industry Competition Matter?," Sustainability, MDPI, vol. 14(17), pages 1-16, September.
    2. Cepi Pahlevi & Andi Ruslan, 2019. "Effect of Market Structure and Financial Characteristics on Bank Performance in Indonesia," International Journal of Academic Research in Accounting, Finance and Management Sciences, Human Resource Management Academic Research Society, International Journal of Academic Research in Accounting, Finance and Management Sciences, vol. 9(3), pages 128-139, July.

    More about this item

    Keywords

    Kompetensi; Efisiensi; Perbankan Umum;
    All these keywords.

    JEL classification:

    • C14 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - Semiparametric and Nonparametric Methods: General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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