Determinants of Banking Efficiency for Commercial Banks in Indonesia
作者: Heti Suryani Fitri Sulaeman Sri Mulyantini Moelyono Jubaedah Nawir
刊名: The Contemporary Economics, 2019, Vol.13 (2), pp.205-218
来源数据库: University of Finance and Management
原始语种摘要: Abstract(#br)This study analyzes internal and external factors that affect banking efficiency by using quarterly data for 2013-2017. The sample includes conventional and Islamic commercial banks. Hypothesis testing uses the Tobit regression model. The results show that the loan to deposit ratio/ financing to deposit ratio (LDR/FDR), the net interest margin/net operating margin (NIM/NOM), the capital adequacy ratio (CAR), and economic growth have a significantly positive effect on the efficiency of commercial banks. The NIM/NOM, the BI-rate, and the inflation have no effect on the efficiency of commercial banks. According to another analysis, factors that influence the efficiency of the results show that in conventional commercial banks, the LDR, the CAR, economic growth, and inflation...
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  • inflation 膨胀
  • commercial 商业的
  • economic 经济的
  • Tobit 托比特书
  • efficiency 效率
  • banks 管束
  • quarterly 每季
  • banking 筑堤
  • capital 首都
  • effect 效应