Efficiency Analysis of Regional Development Banks in Indonesia Using the Data Envelopment Analysis (DEA) Approach
DOI:
https://doi.org/10.55927/fintech.v4i1.209Keywords:
Efficiency Analysis, Regional Development Bank (BPD), Data Envelopment Analysis (DEA), Panel Data Regression ModelAbstract
This study analyzes the efficiency of Regional Development Banks (BPD) in Indonesia—Bank Aceh, Bank NTB, Bank Bengkulu, and Bank Nagari—using the Data Envelopment Analysis (DEA) approach. It also examines financial ratio variables affecting efficiency. Secondary data were collected from Bank Indonesia, BPS, and BPD publication reports. The methods used include DEA and panel data regression. The results show that the average efficiency under constant returns to scale (CRSTE) is 0.20, variable returns to scale (VRSTE) is 0.21, and scale efficiency is 0.94. Efficiency is significantly influenced by SIZE, ROA, NPL, CAR, LDR, BOPO, and NIM.
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