PENGARUH EFISIENSI TERHADAP KINERJA BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA
Keywords:
Efisiensi, Kinerja Bank, Bursa Efek Indonesia
Abstract
Penelitian ini memfokuskan pada analisis dampak komposisi aset, rasio ekuitas, efisiensi operasional, dan ukuran bank terhadap kinerja lembaga keuangan di sektor perbankan konvensional yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2016-2022. Melalui pengujian, perhitungan, dan interpretasi pada bagian IV dari penelitian ini, beberapa temuan signifikan telah diungkap. Pertama, komposisi aset menunjukkan pengaruh positif dan signifikan terhadap kinerja bank, menandakan bahwa struktur dan jenis aset yang dimiliki oleh bank berperan penting dalam hasil kinerja keuangan mereka. Kedua, hasil menunjukkan bahwa rasio ekuitas tidak memiliki pengaruh yang signifikan terhadap kinerja bank, menyoroti bahwa proporsi ekuitas terhadap total aset tidak secara langsung memengaruhi kinerja keuangan bank. Ketiga, efisiensi operasional terbukti memiliki pengaruh negatif dan signifikan terhadap kinerja bank, menunjukkan bahwa tingkat efisiensi operasional bank dapat mempengaruhi hasil keuangan mereka secara substansial. Terakhir, ukuran bank menunjukkan pengaruh positif dan signifikan terhadap kinerja bank, menekankan bahwa bank dengan skala yang lebih besar cenderung memiliki kinerja keuangan yang lebih baik dalam periode waktu yang diteliti.
References
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Azam, M., & Siddiqui, S. (2012). Domestic and Foreign Banks ’ Profitability : Differences and Their Determinants. 2(1), 33–40.
Bikker, J. A., & Vervliet, T. (2017). Bank Profitability and Risk-Taking Under Low Interest Rates. SSRN Electronic Journal, 560. https://doi.org/10.2139/ssrn.3002480.
Bikker, J., & Hu, H. (2002). Cyclical patterns in profits , provisioning and lending of banks and procyclicality of the new. 221.
Bitar, M., Saad, W., & Benlemlih, M. (2016). Bank risk and performance in the MENA region : The importance of capital requirements. Economic Systems. https://doi.org/10.1016/j.ecosys.2015.12.001.
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Hajer, C., & Anis, J. (2018). Analysis of the Impact of Governance on Bank Performance: Case of Commercial Tunisian Banks. Journal of the Knowledge Economy, 9(3), 871–895. https://doi.org/10.1007/s13132-016-0376-6.
Hakimi, A., Boussaada, R., & Helmi2, H. (2020). The Interactional Relationships Between Credit Risk , Liquidity Risk and Bank Profitability in MENA Region. https://doi.org/10.1177/0972150919879304.
Jadah, H. M., Alghanimi, M. H. A., Al-Dahaan, N. S. H., & Al-Husainy, N. H. M. (2020). Internal and external determinants of Iraqi bank profitability. Banks and Bank Systems, 15(2), 79–93. https://doi.org/10.21511/bbs.15(2).2020.08.
Jigeer, S., & Koroleva, E. (2023). The Determinants of Profitability in the City Commercial Banks: Case of China.
Kim, D., & Sohn, W. (2017). The effect of bank capital on lending : Does liquidity matter ? Journal of Banking and Finance, 77, 95–107. https://doi.org/10.1016/j.jbankfin.2017.01.011
Knezevic, A., & Dobromirov, D. (2016). The determinants of Serbian banking industry profitability. Economic Research-Ekonomska Istrazivanja , 29(1), 459–474. https://doi.org/10.1080/1331677X.2016.1174390
Kohlscheen, E., Murcia, A., & Contreras, J. (2018). Determinants of bank profitability in emerging markets. 686.
Laeven, L., Ratnovski, L., & Tong, H. (2015). Bank Size , Capital , and Systemic Risk : Some International Evidence ( International Monetary Fund , Tilburg University , and CEPR ) Lev Ratnovski Hui Tong. JOURNAL OF BANKING FINANCE, June. https://doi.org/10.1016/j.jbankfin.2015.06.022
Le, T. D., & Ngo, T. (2020). Central Bank Review The determinants of bank pro fi tability : A cross-country analysis. 20, 65–73. https://doi.org/10.1016/j.cbrev.2020.04.001
Malek, M. A., & Rao, G. V. (2022). Profitability of Islamic Banking – A Study of Select Islamic Banks from Asia. 57–77. https://doi.org/10.54427/ijisef.1027563.
Menicucci, E., & Paolucci, G. (2016). The determinants of bank profitability : empirical evidence from European banking sector. https://doi.org/10.1108/JFRA-05-2015-0060.
Mostak Ahamed, M. (2017). Asset quality, non-interest income, and bank profitability: Evidence from Indian banks. Economic Modelling, 63(October 2016), 1–14. https://doi.org/10.1016/j.econmod.2017.01.016.
Nawaz, T., & Haniffa, R. (2017). Determinants of financial performance of Islamic banks : an intellectual capital perspective. https://doi.org/10.1108/JIABR-06-2016-0071.
Neves, D., Do, M., Gouveia, C., Alexandra, C., & Proença, N. (2020). European Bank’s Performance and Efficiency. 1998, 1–17.
Neves, M. E., Proença, C., & Dias, A. (2020). Bank Profitability and Efficiency in Portugal and Spain: A Non-Linearity Approach. Journal of Risk and Financial Management, 13(11), 284. https://doi.org/10.3390/jrfm13110284.
Nguyen, Luong, & Nguyen. (2018). ANALYSIS OF INTERNAL FACTORS AFFECTING BANK PROFITABILITY : EVIDENCE FROM LISTED BANKS ON VIETNAM STOCK MARKET. April, 461–472.
Phan, D., Narayan, P. K., Rahman, R. E., & Hutabarat, A. R. (2019). Do financial technology firms influence bank performance. Pacific-Basin Finance Journal, 101210. https://doi.org/10.1016/j.pacfin.2019.101210.
Rachmah, S., Subroto, B., & Subekti, I. (2023). The effect of intellectual capital on market performance with bank efficiency as a mediation variable. 24(2). https://doi.org/10.18196/jai.v24i2.17394.
Radojičić, J., & Marinković, S. (2023). IMPACT OF INCOME AND ASSETS DIVERSIFICATION ON BANK PERFORMANCE IN SERBIA Jelena Radoji č i ć Sr đ an Marinkovi ć. 61, 197–214. https://doi.org/10.2478/ethemes-2023-0010.
Rani, P. D. M. S., & Zergaw, L. N. (2017). BANK SPECIFIC , INDUSTRY SPECIFIC AND MACROECONOMIC DETERMINANTS OF BANK PROFITABILITY IN ETHIOPIA. 6(3), 74–96.
Rumler, F., & Waschiczek, W. (2014). The European Journal of Finance Have changes in the financial structure affected bank profitability ? Evidence for Austria. June 2015, 37–41. https://doi.org/10.1080/1351847X.2014.984815.
Sahyouni, A., & Wang, M. (2019). Liquidity creation and bank performance : evidence from MENA. 11(1), 27–45. https://doi.org/10.1108/IJIF-01-2018-0009.
Saona, P. (2016). Intra- and extra-bank determinants of Latin American Banks’ profitability. International Review of Economics and Finance, 45, 197–214. https://doi.org/10.1016/j.iref.2016.06.004
Sun, P. H., Mohamad, S., & Ariff, M. (2017). Determinants driving bank performance: A comparison of two types of banks in the OIC. Pacific Basin Finance Journal, 42, 193–203. https://doi.org/10.1016/j.pacfin.2016.02.007
Syaifuddin, F., Rio, S., Sarita, B., Syaifuddin, D. T., Saleh, S., Hamid, W., & Budi, N. (2018). Effect Of Equity To Assets Ratio ( EAR ), Size , And Loan To Assets Ratio ( LAR ) On Bank Performance Fahrul Puas Sriawan Rio Prabowo Halim Buyung Sarita Dedy Takdir Syaifuddin Sujono Salma Saleh Wahyuniati Hamid. 9(4), 1–6. https://doi.org/10.9790/487X-2006070xxx
Tan, Y., Floros, C., & Anchor, J. (2017). The Profitability of Chienese Banks: Impact of Risk, Competition and Efficiency. Journal of Service Management, 26(2), 182–205. http://dx.doi.org/10.1108/JOSM-12-2014-0323
Tharu, N. K., & Shrestha, Y. M. (2019). The influence of bank size on profitability: An application of statistics. International Journal of Financial, Accounting, and Management, 1(2), 81–89. https://doi.org/10.35912/ijfam.v1i2.82
Theiri, S., & Hadoussa, S. (2023). Digitization e ff ects on banks ’ fi nancial performance : the case of an African country. https://doi.org/10.1108/CR-10-2022-0147
Trabelsi, M. A., & Trad, N. (2017). Profitability and risk in interest-free banking industries: a dynamic panel data analysis. International Journal of Islamic and Middle Eastern Finance and Management, 10(4), 454–469. https://doi.org/10.1108/IMEFM-05-2016-0070
Trujillo-ponce, A. (2013). What determines the profitability of banks ? Evidence from Spain. 53(616), 561–586.
Xuan, T., & Huong, M. (2021). The Impact of Equity Capital on the Bank ’ s Profitability : Evidence From Vietnam ’ s Banking System. 2(16), 56–71. https://doi.org/10.7172/2353-6845.jbfe.2021.2.3
Yao, H., Haris, M., & Tariq, G. (2018). Profitability determinants of financial institutions: Evidence from banks in pakistan. International Journal of Financial Studies, 6(2), 1–28. https://doi.org/10.3390/ijfs6020053.
Zarouchas, K. (2015). Empirical Analysis of Bank Performance in PIIGS before and during Financial Crisis Stergios Leventis. November.
Ali, A. M. (2020). The impact of economic blockade on the performance of Qatari Islamic and conventional banks : a period- and-group-wise comparison. 12(3), 419–441. https://doi.org/10.1108/IJIF-04-2020-0083.
Attefah, E. K., & Darko, E. A. (2016). Financial Ratios Approach to Evaluating Financial Performance of Cal Bank Ghana from 2010 to 2014. International Journal of Academic Research in Business and Social Sciences, 6(6), 150–176. https://doi.org/10.6007/ijarbss/v6-i6/2191.
Azam, A., & Mohamad, S. (2018). Determinants of the Asset Structure of Malaysian Islamic Banks : A Panel Study. https://doi.org/10.1108/978-1-78756-283-720181012.
Azam, M., & Siddiqui, S. (2012). Domestic and Foreign Banks ’ Profitability : Differences and Their Determinants. 2(1), 33–40.
Bikker, J. A., & Vervliet, T. (2017). Bank Profitability and Risk-Taking Under Low Interest Rates. SSRN Electronic Journal, 560. https://doi.org/10.2139/ssrn.3002480.
Bikker, J., & Hu, H. (2002). Cyclical patterns in profits , provisioning and lending of banks and procyclicality of the new. 221.
Bitar, M., Saad, W., & Benlemlih, M. (2016). Bank risk and performance in the MENA region : The importance of capital requirements. Economic Systems. https://doi.org/10.1016/j.ecosys.2015.12.001.
Dao, B. T. T., & Anh, N. K. (2020). Bank Capital Adequacy Ratio and Bank Performance in Vietnam : A Simultaneous Bank Capital Adequacy Ratio and Bank Performance in Vietnam : A Simultaneous Equations Framework. 7(June). https://doi.org/10.13106/jafeb.2020.vol7.no6.039.
Dietrich, A., & Wanzenried, G. (2014). The determinants of commercial banking profitability in low- , middle- , and high-income countries. Quarterly Review of Economics and Finance, 54(3), 337–354. https://doi.org/10.1016/j.qref.2014.03.001.
Ding, N., Fung, H. G., & Jia, J. (2017). Comparison of Bank Profitability in China and the USA. China and World Economy, 25(1), 90–108. https://doi.org/10.1111/cwe.12188.
García-herrero, A., Gavilá, S., & Santabárbara, D. (2009). What explains the low profitability of Chinese banks ? Journal of Banking and Finance, 33(11), 2080–2092. https://doi.org/10.1016/j.jbankfin.2009.05.005.
Garcia, M. T. M., & Guerreiro, J. P. S. M. (2016). Internal and external determinants of banks’ profitability: The Portuguese case. Journal of Economic Studies, 43(1), 90–107. https://doi.org/10.1108/JES-09-2014-0166.
Hajer, C., & Anis, J. (2018). Analysis of the Impact of Governance on Bank Performance: Case of Commercial Tunisian Banks. Journal of the Knowledge Economy, 9(3), 871–895. https://doi.org/10.1007/s13132-016-0376-6.
Hakimi, A., Boussaada, R., & Helmi2, H. (2020). The Interactional Relationships Between Credit Risk , Liquidity Risk and Bank Profitability in MENA Region. https://doi.org/10.1177/0972150919879304.
Jadah, H. M., Alghanimi, M. H. A., Al-Dahaan, N. S. H., & Al-Husainy, N. H. M. (2020). Internal and external determinants of Iraqi bank profitability. Banks and Bank Systems, 15(2), 79–93. https://doi.org/10.21511/bbs.15(2).2020.08.
Jigeer, S., & Koroleva, E. (2023). The Determinants of Profitability in the City Commercial Banks: Case of China.
Kim, D., & Sohn, W. (2017). The effect of bank capital on lending : Does liquidity matter ? Journal of Banking and Finance, 77, 95–107. https://doi.org/10.1016/j.jbankfin.2017.01.011
Knezevic, A., & Dobromirov, D. (2016). The determinants of Serbian banking industry profitability. Economic Research-Ekonomska Istrazivanja , 29(1), 459–474. https://doi.org/10.1080/1331677X.2016.1174390
Kohlscheen, E., Murcia, A., & Contreras, J. (2018). Determinants of bank profitability in emerging markets. 686.
Laeven, L., Ratnovski, L., & Tong, H. (2015). Bank Size , Capital , and Systemic Risk : Some International Evidence ( International Monetary Fund , Tilburg University , and CEPR ) Lev Ratnovski Hui Tong. JOURNAL OF BANKING FINANCE, June. https://doi.org/10.1016/j.jbankfin.2015.06.022
Le, T. D., & Ngo, T. (2020). Central Bank Review The determinants of bank pro fi tability : A cross-country analysis. 20, 65–73. https://doi.org/10.1016/j.cbrev.2020.04.001
Malek, M. A., & Rao, G. V. (2022). Profitability of Islamic Banking – A Study of Select Islamic Banks from Asia. 57–77. https://doi.org/10.54427/ijisef.1027563.
Menicucci, E., & Paolucci, G. (2016). The determinants of bank profitability : empirical evidence from European banking sector. https://doi.org/10.1108/JFRA-05-2015-0060.
Mostak Ahamed, M. (2017). Asset quality, non-interest income, and bank profitability: Evidence from Indian banks. Economic Modelling, 63(October 2016), 1–14. https://doi.org/10.1016/j.econmod.2017.01.016.
Nawaz, T., & Haniffa, R. (2017). Determinants of financial performance of Islamic banks : an intellectual capital perspective. https://doi.org/10.1108/JIABR-06-2016-0071.
Neves, D., Do, M., Gouveia, C., Alexandra, C., & Proença, N. (2020). European Bank’s Performance and Efficiency. 1998, 1–17.
Neves, M. E., Proença, C., & Dias, A. (2020). Bank Profitability and Efficiency in Portugal and Spain: A Non-Linearity Approach. Journal of Risk and Financial Management, 13(11), 284. https://doi.org/10.3390/jrfm13110284.
Nguyen, Luong, & Nguyen. (2018). ANALYSIS OF INTERNAL FACTORS AFFECTING BANK PROFITABILITY : EVIDENCE FROM LISTED BANKS ON VIETNAM STOCK MARKET. April, 461–472.
Phan, D., Narayan, P. K., Rahman, R. E., & Hutabarat, A. R. (2019). Do financial technology firms influence bank performance. Pacific-Basin Finance Journal, 101210. https://doi.org/10.1016/j.pacfin.2019.101210.
Rachmah, S., Subroto, B., & Subekti, I. (2023). The effect of intellectual capital on market performance with bank efficiency as a mediation variable. 24(2). https://doi.org/10.18196/jai.v24i2.17394.
Radojičić, J., & Marinković, S. (2023). IMPACT OF INCOME AND ASSETS DIVERSIFICATION ON BANK PERFORMANCE IN SERBIA Jelena Radoji č i ć Sr đ an Marinkovi ć. 61, 197–214. https://doi.org/10.2478/ethemes-2023-0010.
Rani, P. D. M. S., & Zergaw, L. N. (2017). BANK SPECIFIC , INDUSTRY SPECIFIC AND MACROECONOMIC DETERMINANTS OF BANK PROFITABILITY IN ETHIOPIA. 6(3), 74–96.
Rumler, F., & Waschiczek, W. (2014). The European Journal of Finance Have changes in the financial structure affected bank profitability ? Evidence for Austria. June 2015, 37–41. https://doi.org/10.1080/1351847X.2014.984815.
Sahyouni, A., & Wang, M. (2019). Liquidity creation and bank performance : evidence from MENA. 11(1), 27–45. https://doi.org/10.1108/IJIF-01-2018-0009.
Saona, P. (2016). Intra- and extra-bank determinants of Latin American Banks’ profitability. International Review of Economics and Finance, 45, 197–214. https://doi.org/10.1016/j.iref.2016.06.004
Sun, P. H., Mohamad, S., & Ariff, M. (2017). Determinants driving bank performance: A comparison of two types of banks in the OIC. Pacific Basin Finance Journal, 42, 193–203. https://doi.org/10.1016/j.pacfin.2016.02.007
Syaifuddin, F., Rio, S., Sarita, B., Syaifuddin, D. T., Saleh, S., Hamid, W., & Budi, N. (2018). Effect Of Equity To Assets Ratio ( EAR ), Size , And Loan To Assets Ratio ( LAR ) On Bank Performance Fahrul Puas Sriawan Rio Prabowo Halim Buyung Sarita Dedy Takdir Syaifuddin Sujono Salma Saleh Wahyuniati Hamid. 9(4), 1–6. https://doi.org/10.9790/487X-2006070xxx
Tan, Y., Floros, C., & Anchor, J. (2017). The Profitability of Chienese Banks: Impact of Risk, Competition and Efficiency. Journal of Service Management, 26(2), 182–205. http://dx.doi.org/10.1108/JOSM-12-2014-0323
Tharu, N. K., & Shrestha, Y. M. (2019). The influence of bank size on profitability: An application of statistics. International Journal of Financial, Accounting, and Management, 1(2), 81–89. https://doi.org/10.35912/ijfam.v1i2.82
Theiri, S., & Hadoussa, S. (2023). Digitization e ff ects on banks ’ fi nancial performance : the case of an African country. https://doi.org/10.1108/CR-10-2022-0147
Trabelsi, M. A., & Trad, N. (2017). Profitability and risk in interest-free banking industries: a dynamic panel data analysis. International Journal of Islamic and Middle Eastern Finance and Management, 10(4), 454–469. https://doi.org/10.1108/IMEFM-05-2016-0070
Trujillo-ponce, A. (2013). What determines the profitability of banks ? Evidence from Spain. 53(616), 561–586.
Xuan, T., & Huong, M. (2021). The Impact of Equity Capital on the Bank ’ s Profitability : Evidence From Vietnam ’ s Banking System. 2(16), 56–71. https://doi.org/10.7172/2353-6845.jbfe.2021.2.3
Yao, H., Haris, M., & Tariq, G. (2018). Profitability determinants of financial institutions: Evidence from banks in pakistan. International Journal of Financial Studies, 6(2), 1–28. https://doi.org/10.3390/ijfs6020053.
Zarouchas, K. (2015). Empirical Analysis of Bank Performance in PIIGS before and during Financial Crisis Stergios Leventis. November.
Published
2023-12-10
How to Cite
Rizka Aji Gagas Gumilar, & Susy Muchtar. (2023). PENGARUH EFISIENSI TERHADAP KINERJA BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA . Journal of Social and Economics Research, 5(2), 401-411. https://doi.org/10.54783/jser.v5i2.145
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Articles
