The efficiency level of Indonesian banks in the Covid-19 pandemic era and its determinant

Ihsanul Ikhwan, R. Riani
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引用次数: 1

Abstract

Purpose – This study aims to measure the efficiency level of Indonesian Banking in the period 2015-2020, especially in the year 2020 when the Covid-19 pandemic began to spread in Indonesia. In addition, the efficiency determinant was further analyzed to find some factors that affect banking efficiency.Methodology – Non-parametric approach-Data Envelopment Analysis (DEA) and Tobit Regression were employed as the research methods to determine determinants that affect efficiency level.Findings – The findings show that the efficiency level of Indonesian Banks experienced a decreasing trend in 2020. The impact of Covid-19 on banking efficiency was also confirmed by RTS, which was included in the Decreasing Return to Scale (DRS) category. Islamic banking scored a higher score of 0.66 than conventional banking, with a score of 0.59. In addition, Indonesian Banks' most crucial variable to be improved during the pandemic is total financing. This study also found that ROA and LDR/FDR significantly affects banking efficiency. Therefore, Indonesian Banks should maintain and increase their bank profitability and financing distributions to improve their efficiency.Implication – This research can be used as guidelines for policymakers, especially bank management, to improve their weaknesses in terms of banking efficiency. Originality – This study was the first research that focuses on measuring the efficiency of Islamic banks compared to conventional banks in Indonesia during the Covid-19 and precisely measures the bank's internal factors affecting bank efficiency.
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新冠肺炎疫情时期印尼银行效率水平及其决定因素
目的-本研究旨在衡量2015-2020年期间印度尼西亚银行业的效率水平,特别是在2020年Covid-19大流行开始在印度尼西亚蔓延的时候。此外,进一步分析了效率决定因素,找出了影响银行效率的一些因素。方法-非参数方法-采用数据包络分析(DEA)和Tobit回归作为研究方法来确定影响效率水平的决定因素。研究结果-研究结果表明,印度尼西亚银行的效率水平在2020年呈下降趋势。RTS也证实了新冠肺炎对银行效率的影响,该报告被纳入规模回报递减(DRS)类别。伊斯兰银行的得分为0.66,高于传统银行的0.59。此外,印尼银行在疫情期间需要改善的最关键变量是融资总额。本研究还发现,ROA和LDR/FDR显著影响银行效率。因此,印尼银行应保持并增加银行盈利能力和融资分配,以提高效率。启示-这项研究可以作为政策制定者,特别是银行管理层的指导方针,以改善他们在银行效率方面的弱点。原创性:本研究是首个重点衡量印尼伊斯兰银行与传统银行在2019冠状病毒病期间效率的研究,并精确衡量了影响银行效率的银行内部因素。
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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自引率
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发文量
21
审稿时长
10 weeks
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