Produktivitas Perbankan Indonesia Dengan Pendekatan Malmquist Index Productivity
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Abstract
Abstrak
Penelitian ini dilakukan untuk melihat bagaimana tingkat produktivitas perbankan di Indonesia dengan menggunakan Malmquist Productivity Index (MPI) yang merupakan suatu pendekatan non parametrik dengan menggunakan indeks bilateral. Penelitian ini dilakukan pada 84 bank di Indonesia selama tahun 2005 hingga 2016. Penelitian ini dilakukan dengan menggunakan dua model untuk variabel output yaitu model pertama total pinjaman, investasi sekuritas, dan pendapatan lainnya, sementara itu model kedua menggunakan pinjaman lainnya, investasi sekuritas dan pendapatan lainnya. Untuk variabel input dilihat dengan dengan menggunakan beban administrasi dan umum, aset tetap, total simpanan. Hasil penelitian menunjukkan bahwa diantara kedua model ouput yang digunakan, model pertama cenderung lebih baik, meskipun hasil pengujian menunjukkan kurang optimalnya tingkat penggunaan teknologi. Hasil pada model pertama juga menunjukan nilai rata-rata produktivitas yang lebih tinggi.
Keyword: Perbankan, Produktivitas, Malmquist Index Productivity
Abstract
This study was conducted to see how the level of banking productivity in Indonesia using the Malmquist Productivity Index (MPI), which is a non-parametric approach using a bilateral index. This research was conducted at 84 banks in Indonesia from 2005 to 2016. This research was conducted using two models for output variables, the first model is total loans, investment securities, and other income, while the second model used other loans, investment securities and other income. For input variables seen by using administrative and general expenses, fixed assets, total deposits. The results showed that between the two output models used, the first model tended to be better, although the test results showed less optimal use of technology. The results in the first model also show higher average productivity values.
Keyword: Perbankan, Produktivity, Malmquist Index Productivity
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