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ANALISIS PENGARUH KEPEMILIKAN SAHAM BANK OLEH ASING TERHADAP EFISIENSI PERBANKAN DI INDONESIA

Rahma Wati

Abstract


ABSTRACT

The starting point of this study is Law number 10/1998 article 26 and Government Regulation number 29/1999 which resulted an increased foreign ownership in banks in Indonesia. One of the considerants of this legislation is to strengthen its capital base to create an efficient banking system. Therefore, this study aimed to examine and analyze the value of the technical efficiency of conventional commercial bank in Indonesia and analyze the impact of foreign’s share ownership
toward Indonesian bank’s efficiency. By using DEA non-paramethric method, it’s indicated that the level of efficiency of banking in Indonesia is low. Then, from the results of the panel regression analysis Fixed Effect Model concluded that the share ownership by foreign banks do not affect the level of banking efficiency, meanwhile bank’s size and credit risk rate as control variable
significantly influence banking efficiency rate.

 

ABSTRAK

Titik tolak penelitian ini adalah Undang Undang No. 10 Tahun 1998 pasal 26 dan Peraturan Pemerintah No. 29 Tahun 1999 yang mengakibatkan peningkatan kepemilikan asing pada bank-bank di Indonesia. Konsideran peraturan ini salah satunya adalah memperkuat permodalannya untuk menciptakan sistem perbankan yang efisien. Maka dari itu, penelitian
ini bertujuan untuk melakukan perhitungan nilai efisiensi teknis bank umum konvensional di Indonesia dan menganalisis pengaruh kepemilikan saham bank oleh asing terhadap tingkat efisiensi perbankan. Dengan menggunakan metode non-parametrik DEA ditunjukkan bahwa tingkat efisiensi perbankan di Indonesia masih rendah secara relatif terhadap unit
bank yang paling efisien dalam sampel penelitian. Kemudian dari hasil analisis regresi panel Fixed Effect Model disimpulkan bahwa kepemilikan saham bank oleh asing tidak berpengaruh terhadap tingkat efisiensi perbankan, sementara itu variabel kontrol berupa ukuran bank
dan tingkat risiko kredit berpengaruh signifikan terhadap tingkat efisiensi perbankan.


Keywords


Bank efficiency; Data Envelopment Analysis; Fixed Effect Model; foreign ownership.

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References


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DOI: http://dx.doi.org/10.21002/jke.v10i2.187

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