Analysis Of Efficiency Level In Indonesian Banking Companies Listed On The Indonesian Stock Exchange For The 2019-2022 Period
DOI:
https://doi.org/10.59188/eduvest.v4i6.1186Keywords:
Banking Efficiency, Indonesian Banking Sector, Covid-19 Impact, Financial Ratios, CAMEL MethodAbstract
This study analyzes the efficiency levels of Indonesian banking companies listed on the Indonesian Stock Exchange (IDX) during the period of 2019-2022, encompassing the impact of the Covid-19 pandemic. Efficiency in banking is crucial for maintaining competitive advantage and ensuring financial stability, especially in the face of global challenges such as economic globalization and digitalization. The research evaluates the efficiency of banks using indicators like the CAMEL method, BOPO, NIM, NPL, LDR, and CAR ratios. The study finds that the pandemic significantly affected banks' efficiency, with notable declines in NIM and ROA ratios due to economic uncertainty and operational cost challenges. Post-pandemic, these ratios have shown signs of stabilization. The study uses descriptive quantitative methods, analyzing secondary data from annual financial reports of eight banking companies listed on IDX. The results indicate that strategic measures in risk management and cost efficiency are imperative for banks to navigate future uncertainties.
References
Budiansyah, A. L. (2023). Faktor Yang Mempengaruhi Kinerja Keuangan Perbankan: LDR, CAR dan BOPO. Jurnal Locus Penelitian Dan Pengabdian, 2(4), 375–379.
Damar, N. D., Kumaat, R. J., & Mandeij, D. (2021). Analisis tingkat efisiensi Bank Umum di Indonesia periode 2013: Q1-2018: Q4. Jurnal Berkala Ilmiah Efisiensi, 21(7).
Fahlevi, A. R., Naufal, R. S., Erfanudin, M., Putri, S. D., & Naibaho, D. E. (2023). Pengaruh Pendapatan dan Beban Operasional terhadap Laba Bersih. ULIL ALBAB: Jurnal Ilmiah Multidisiplin, 2(2), 835–841.
Fauzi, R., & Daud, R. M. (2020). Pengaruh Beban Operasional Pendapatan Operasional (Bopo), Non Performing Financing, Dan Ukuran Perusahaan Terhadap Tingkat Efisiensi Perbankan Syariah Di Indonesia. Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi, 5(3), 460–468.
Hadi, S. M. (2023). Pengaruh CAR, LDR, dan NPL Terhadap Kinerja Keuangan Pada Sektor Perbankan yang Terdaftar di BEI. Jurnal Mahasiswa Akuntansi Samudra (JMAS), 4(6), 362–372.
Handayani, N., Asyikin, J., Ernawati, S., & Boedi, S. (2023). Analisis pengaruh kinerja keuangan terhadap nilai perusahaan perbankan indonesia. Kinerja: Jurnal Ekonomi Dan Manajemen, 20(2), 233–242.
Himmawan, M. F., & Firdausi, N. A. (2021). Projection of Indonesian Islamic commercial banks efficiency and stability in the Covid-19 period using DEA and panel ARDL. Jurnal Ekonomi & Keuangan Islam, 17–30.
Lobiua, W. D., Saerang, I. S., & Tumewu, F. J. (2022). ANALISIS PERBANDINGAN KINERJA KEUANGAN PERBANKAN SEBELUM DAN SAAT MASA PANDEMI COVID-19 YANG TERDAFTAR DI IDX BUMN 20 PADA BURSA EFEK INDONESIA. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 10(4), 671–678.
Midfi, S. K., Djatnika, D., & Tripuspitorini, F. A. (2021). Kinerja Keuangan Berbasis Value Added Menggunakan Konsep EVA, MVA, REVA, FVA, dan SVA pada Perusahaan Semen Kategori Indeks LQ45. Indonesian Journal of Economics and Management, 1(3), 510–522.
Nuryanto, U. W., Salam, A. F., Sari, R. P., & Suleman, D. (2020). The Effect of Capital Adequacy Ratio. Liquidity, Credit Risk and Cost Efficiency on Profitability in Go Public Banks, 7(1), 1–9.
Polimpung, L., & Irawan, J. L. (2021). The Influence of CAR, NPL, and LDR on Profitability in Private Banks in Indonesia which are Classified as Commercial Banks Business Activities 3 in The Period 2014-2018. JManagER, 1(1), 1–11.
Pratama, M. S. (2021). Pengaruh BOPO, LDR, CAR, dan NPL terhadap Profitabilitas Sektor Perbankan Indonesia. I-Finance: A Research Journal on Islamic Finance, 7(1), 43–55.
Pratomo, D., & Ramdani, R. F. (2021). Analisis pertumbuhan kinerja keuangan perbankan syariah dan konvensional di era pandemi Covid 19. Derivatif: Jurnal Manajemen, 15(2), 260–275.
Priatna, H. (2017). Non Performing Loan (Npl) Sebagai Resiko Bank Atas Pemberian Kredit. AKURAT| Jurnal Ilmiah Akuntansi FE UNIBBA, 8(1), 22–33.
Rafinur, A., Arditha, A., & Rusmianto, R. (2023). Pengaruh CAR, LDR, BOPO dan NPL terhadap ROA pada Sektor Perbankan di Bursa Efek Indonesia Periode 2018-2019. Jurnal Ilmiah ESAI, 17(1), 40–56. https://doi.org/10.25181/esai.v17i1.2630
Sholihah, E. (2021). Efisiensi kinerja keuangan sektor perbankan Indonesia di masa pandemi Covid-19. JRMSI-Jurnal Riset Manajemen Sains Indonesia, 12(2), 287–304.
Sochib, Liyundira, S., & Yulianti, F. S. (2023). The Effect of LDR, NPL, CAR on Return on Asset of Conventional National Commercial Bank in Indonesia. International Journal of Accounting and Management Research, 4(1), 51. https://doi.org/10.30741/ijamr.v4i1.1104
Sochib, S., Liyundira, F. S., & Yulianti, A. (2022). The Effect of LDR, NPL, CAR on Return on Asset of Conventional National Commercial Bank in Indonesia. International Journal of Accounting and Management Research, 3(2), 51–59.
Supeno, W. (2021). ANALISIS KESEHATAN LOAN TO DEPOSIT RATIO TERHADAP KINERJA PENYALURAN KREDIT PADA PD BPR LOMBOK TENGAH NUSA TENGGARA BARAT. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 5(3), 2242–2260.
Wendha, D. N., & Alteza, M. (2020). Analisis Efisiensi Perbankan Hasil Merger di Indonesia dengan Metode Two-Stage Data Envelopment Analysis. Jurnal Ilmu Manajemen, 17(2), 85–97.
Published
Issue
Section
License
Copyright (c) 2024 Gilbert Wijaya, Rudolf Lumbantobing, Lambok D. R. Tampubolon
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
