ANALISIS EFISIENSI PERBANKAN NASIONAL BERDASARKAN UKURAN BANK: PENDEKATAN DATA ENVELOPMENT ANALYSIS

Abstract

This study evaluates the performance of the technical efficiency of banks in Indonesia during the period 2008-2009 based on the size of the banks using Data Envelopment Analysis approach (DEA). Empirical findings indicate that a large bank with economies of scale (economics of scale) in its operations have a better level of efficiency compared with medium and small banks. Economies of scale benefit the banks with lower average cost per-unit with an increasingly large amount of the loan. Efficiency level for banks that have not reached an optimum level can do the repair potential (potential improvement) by increasing the output and or lower the input to the reference (benchmarking) on the bank efficient