Determinants of Banking Efficiency for Commercial Banks in Indonesia

IF 2.4 Q2 ECONOMICS

Contemporary Economics Pub Date : 2019-06-30 DOI:10.5709/ce.1897-9254.308

Heti Suryani Fitri Sulaeman, Sri Mulyantini Moelyono, Jubaedah Nawir

引用次数: 10

Abstract

This study analyzes internal and external factors that affect banking efficiency by using quarterly data for 2013-2017. The sample includes conventional and Islamic commercial banks. Hypothesis testing uses the Tobit regression model. The results show that the loan to deposit ratio/ financing to deposit ratio (LDR/FDR), the net interest margin/net operating margin (NIM/NOM), the capital adequacy ratio (CAR), and economic growth have a significantly positive effect on the efficiency of commercial banks. The NIM/NOM, the BI-rate, and the inflation have no effect on the efficiency of commercial banks. According to another analysis, factors that influence the efficiency of the results show that in conventional commercial banks, the LDR, the CAR, economic growth, and inflation have a significantly positive effect on the efficiency of conventional commercial banks. In contrast, the NIM has a significantly negative effect. Meanwhile, for Sharia commercial banks, the FDR, NPF, the CAR, economic growth and inflation have a significantly positive effect, and the BI-rate has a significantly negative effect.

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印度尼西亚商业银行银行效率的决定因素

本研究利用2013-2017年季度数据分析了影响银行效率的内外部因素。样本包括传统商业银行和伊斯兰商业银行。假设检验使用Tobit回归模型。研究结果表明，存贷比/融资存比(LDR/FDR)、净息差/净营业利润率(NIM/NOM)、资本充足率(CAR)和经济增长对商业银行效率有显著的正向影响。NIM/NOM、BI-rate和通货膨胀对商业银行的效率没有影响。另一项对影响效率因素的分析结果表明，在传统商业银行中，LDR、CAR、经济增长和通货膨胀对传统商业银行的效率有显著的正向影响。相比之下，NIM具有显著的负面影响。同时，对于伊斯兰商业银行，FDR、NPF、CAR、经济增长和通货膨胀具有显著的正向作用，BI-rate具有显著的负向作用。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Contemporary Economics ECONOMICS-

CiteScore

3.70

自引率

9.50%

发文量

审稿时长

24 weeks

期刊介绍： The mission of the Contemporary Economics is to publish advanced theoretical and empirical research in economics, finance, accounting and management with the noticeable contribution and impact to the development of those disciplines and preferably with practice relevancies. All entirety of methods is desirable, including a falsification of conventional understanding, theory building through inductive or qualitative research, first empirical testing of a theory, meta-analysis with theoretical implications, constructive replication that clarifies the boundaries or range of a theory for theoretical research as well as qualitative, quantitative, field, laboratory, meta-analytic, and combination for an empirical research. This clear priority for comprehensive manuscripts containing a methodology-based theoretical and empirical research with implications and recommendations for policymaking does not exclude manuscripts entirely focused on theory or methodology. Manuscripts that raise significant, actual topics of international relevance will be highly appreciated. The interdisciplinary approach including – besides economic, financial, accounting or managerial –also other aspects, is welcomed.