Analisis Efisiensi Kinerja Kelompok Bank Menurut Modal Inti

Abstract

Penelitian ini bertujuan untuk menganalisis efisiensi kinerja kelompok bank berdasarkan modal inti (KBMI) 1 selama periode 2020–2023. Efisiensi diukur menggunakan metode Data Envelopment Analysis (DEA) melalui pendekatan intermediasi, di mana variabel input yang digunakan adalah Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL),dan Loan to Deposit Ratio (LDR), sedangkan variabel output mencakup jumlah kredit yang disalurkan dan pendapatan operasional. Hasil penelitian membuktikan bahwa efisiensi perbankan pada bank dengan modal inti terkecil bersifat dinamis. Bank Victoria International (BVIC) berhasil mencapai efisiensi penuh dalam seluruh periode penelitian, sementara Bank IBK Indonesia (AGRS) dan Bank Amar Indonesia (AMAR) mengalami inefisiensi secara konsisten. Faktor lain yang mempengaruhi efisiensi bank adalah kondisi makroekonomi serta kesiapan digitalisasi perbankan. Bank yang mampu beradaptasi dengan transformasi digital cenderung lebih efisien pada operasionalnya.  This study aims to analyze the performance efficiency of banks categorized under Core Capital Group 1 (KBMI 1) during the 2020–2023 period. Efficiency is measured using the Data Envelopment Analysis (DEA) method through an intermediation approach, where the input variables used are the Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), and Loan to Deposit Ratio (LDR), while the output variables include the amount of loans disbursed and operating income. The results indicate that the efficiency of banks with the smallest core capital is dynamic. Bank Victoria International (BVIC) achieved full efficiency throughout the study period, while Bank IBK Indonesia (AGRS) and Bank Amar Indonesia (AMAR) consistently experienced inefficiency. Other factors influencing bank efficiency include macroeconomic conditions and the readiness for banking digitalization. Banks that are able to adapt to digital transformation tend to operate more efficiently.