scholarly journals Loan efficiency in the Visegrad countries

2015 ◽  
Vol 65 (s1) ◽  
pp. 161-181 ◽  
Author(s):  
Kristína Kočišová
Keyword(s):  
Data Envelopment Analysis ◽  
Financial Markets ◽  
Commercial Banks ◽  
Capital Adequacy ◽  
Data Envelopment ◽  
Average Efficiency ◽  
The Past ◽  
Lending Decisions ◽  
Using Data ◽  
Visegrád Countries

Financial markets in the Visegrad countries have undergone several changes in lending business over the past decade. This study evaluates the efficiency of the largest commercial banks by focusing on their lending decisions using Data Envelopment Analysis. First, we define the concept of efficiency, then we analyse loan efficiency between 2007 and 2013. The results indicate that average efficiency declined. When we studied the loan efficiency in each country separately, we found that Hungarian banks had the lowest efficiency while the highest efficiency was achieved mainly by Czech banks. The results of the study also suggest that efficiency is positively related to profitability and capital adequacy, and negatively related to the share of non-performing loans, which confirms the bad management hypothesis.

Modeling Efficiency Performance of Malaysian Commercial Banks Using Data Envelopment Analysis

2018 ◽  
Vol 24 (6) ◽  
pp. 4612-4618
Author(s):  
Norsyuhada Johan ◽  
Zalina Zahid ◽  
Siti Aida Sheikh Hussin
Keyword(s):  
Data Envelopment Analysis ◽  
Commercial Banks ◽  
Data Envelopment ◽  
Efficiency Performance ◽  
Using Data

scholarly journals EFFICIENT COMPARISON OF THE TOP 10 LARGEST COMMERCIAL BANKS IN INDONESIA: DEA (DATA ENVELOPMENT ANALYSIS)

2021 ◽  
Vol 11 (3) ◽  
pp. 427
Author(s):  
Ari Christianti
Keyword(s):  
Data Envelopment Analysis ◽  
Commercial Banks ◽  
Banking Industry ◽  
Maximum Efficiency ◽  
Data Envelopment ◽  
Labor Costs ◽  
Banking Efficiency ◽  
Parametric Data ◽  
Fixed Assets ◽  
Using Data

Banking efficiency is very important in supporting the success of macro policies specifically, maintaining the sustainability of development that affects economic growth and social welfare. This study discusses the efficiency of commercial banks for the 2015-2019 period using data from the 10 largest commercial banks in Indonesia. The methodology used is non-parametric, Data Envelopment Analysis, to analyze technical efficiency. The results showed that 7 banks had a maximum efficiency level consistently during the study period and there were still 3 banks that did not reach the maximum efficiency but during certain periods or periods. Based on the results of the DEA, inefficient banks in a certain period can achieve maximum efficiency by reducing inputs such as labor costs, net fixed assets, and the number of deposits. This might be attributed that the competition in the banking industry and because not all inputs could be controlled by management, some large banks cannot maintain their level of efficiency consistently.

scholarly journals The Efficiency of Islamic Banks and Conventional Banks in Indonesia Using Data Envelopment Analysis Approach

2021 ◽  
Vol 58 (1) ◽  
pp. 375-381
Author(s):  
Retno Fitrianti, Sri Undai Nurbayani
Keyword(s):  
Data Envelopment Analysis ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Banking Sector ◽  
Financial Institution ◽  
Data Envelopment ◽  
Islamic Banks ◽  
Sample Technique ◽  
Using Data ◽  
Conventional Banks

Banking sector mediation is related to efficiency in economic performance. As a financial institution, banks need to maintain their performance in order to operate optimally, one factor that must be considered is efficiency in performance. This research aimed to analyze the efficiency of Islamic Banks and Conventional Commercial Bank in Indonesia. Using a purposive sample technique for two Islamic banks and two commercial banks. Fixed assets, deposits, and other operating expenses as input variablesused, while credit as output variable.  Using Data Envelopment Analysis to calculate the efficiency of banking. The results show that all Sharia Commercial Bank samples reached efficiency level 1 was efficient. Besides, the sample of conventional commercial banks used in this study is not all efficient. This is due to one of the sample banks having an efficiency level below one, which is 0.644. It means that conventional bank groups are inefficient.

scholarly journals EFISIENSI BELANJA PENDIDIKAN SEKOLAH MENENGAH KEJURUAN DAN PENGARUHNYA TERHADAP PEMENUHAN AKSES PENDIDIKAN MENENGAH DI INDONESIA

2018 ◽  
Vol 2 (1) ◽  
pp. 23
Author(s):  
Tiara Tsani ◽  
Ermas Ermas ◽  
Ahmad Rivai Febriantono
Keyword(s):  
High School ◽  
Data Envelopment Analysis ◽  
Relative Efficiency ◽  
Government Expenditure ◽  
Data Envelopment ◽  
Vocational High School ◽  
Average Efficiency ◽  
Enrollment Rates ◽  
Dea Approach ◽  
Using Data

This paper studies the relative efficiency of government expenditure on vocational high school (VHS) using Data Envelopment Analysis (DEA) approach during 2015-2016 in Indonesia. Input variable is expenditure on education on vocational high school. The number of teachers, students, and classroom are used as output, while Gross Enrollment Rates (GERs) is used as outcome. The result showed that the average efficiency was 0.36 which suggests that the efficiency in evaluated districts was relatively low.  There four districts achieve efficiency highest and stable. They are Malang, Surabaya, Jayawijaya and Penukal Adab Pematang Ilir. Based on the estimate calculation could it be said that improvements in efficiency of expenditure on VHS can increase GERs among children aged 16 to 18 from 75,97 percent to 79,55 percent.   Abstrak Penelitian ini bertujuan untuk mengukur tingkat efisiensi belanja pendidikan sekolah menengah kejuruan (SMK) di Indonesia dengan menggunakan Data Envelopment Analysis (DEA) dalam kurun waktu 2015-2016. Variabel input menggunakan belanja pendidikan SMK, sedangkan jumlah guru, jumlah murid, dan jumlah kelas merupakan variabel output. Selain itu, Angka Partisipasi Kasar (APK) dijadikan sebagai variabel outcome. Hasil analisis menunjukkan bahwa rata-rata efisiensi belanja pendidikan oleh pemerintah daerah di Indonesia sebesar 0.36 yang berarti tingkat efisiensinya tergolong rendah. Ada empat daerah yang mencapai efisiensi tertinggi dan stabil selama periode 2015-2016 yaitu Malang, Surabaya, Jayawijaya, dan Penukal Adab Pematang Ilir. Berdasarkan perhitungan diperoleh bahwa peningkatan efisiensi belanja pendidikan dapat meningkatkan APK anak usia 16-18 tahun dari 75,97 persen menjadi 79.55 persen.

scholarly journals Analisis Perbandingan Efisiensi Pembiayaan BUS dengan BPRS di Jawa Barat Tahun 2017-2019

2021 ◽  
Vol 1 (2) ◽  
pp. 82-97
Author(s):  
Jasmin Bunga Islami ◽  
Trisiladi Supriyanto ◽  
Lili Puspita Sari
Keyword(s):  
Data Envelopment Analysis ◽  
Financial Services ◽  
Commercial Banks ◽  
Secondary Data ◽  
T Test ◽  
Data Envelopment ◽  
Quantitative Methodology ◽  
Operating Profit ◽  
Significant Difference ◽  
Using Data

The development of Islamic banking in Indonesia is increasingly progressing quite rapidly. This development is evidenced by the increasing total number of Islamic commercial banks, as well as the very large number of Islamic people's financing banks. This study aims to investigate the comparison between BUS and BPRS. This study uses a quantitative methodology with data analysis techniques using Data Envelopment Analysis (DEA), and a different test using an independent sample t-test. The population used is 5 Islamic Commercial Banks (BUS) and 5 Sharia People's Financing Banks (BPRS) in West Java with data samples of fixed assets, savings, operational costs, financing, and operating profit. This study uses secondary data sourced from the official website of the Financial Services Authority. The results of this study are that BPRS has a higher average efficiency level than BUS, and there is no significant difference between BUS efficiency and BPRS in 2017, 2018, and 2019 based on DEA CRS and DEA VRS.Berkembangnya perbankan syariah di Indonesia semakin memiliki kemajuan yang cukup pesat. Perkembangan ini dibuktikan dari angka total bank umum syariah yang meningkat, serta angka bank pembiayaan rakyat syariah yang berjumlah sangat besar. Penelitian ini bertujuan menginvestigasi perbandingan antara BUS dengan BPRS. Penelitian ini memakai metodologi kuantitatif dengan teknik analisis data memakai Data Envelopment Analysis (DEA), serta uji beda menggunakan sampel independent t test. Populasi yang digunakan adalah lima Bank Umum Syariah (BUS) dan lima Bank Pembiayaan Rakyat Syariah (BPRS) di Jawa Barat dengan sampel data aset tetap, simpanan, biaya operasional, pembiayaan, dan laba operasional, kemudian data sekunder yang bersumber dari website resmi Otoritas Jasa Keuangan. Hasil dari penelitian menjelaskan bahwa BPRS memiliki rata-rata tingkat efisiensi yang lebih tinggi dibandingkan dengan BUS, serta tidak terdapatnya perbedaan yang signifikan antara efisiensi BUS dengan BPRS pada tahun 2017, 2018, dan 2019 berdasarkan DEA CRS maupun DEA VRS.

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