Prestasi dan factor-faktor yang mempengaruhi bank-bank di Indonesia sebelum dan selepas krisis kewangan

The purpose of this study is to examine whether performance of Indonesian banks is affected by ownership structures, status of banks, total equity, financial crisis, economic growth and financial ratios. Banks performance is measured by cost efficiency and profitability (Data Envelopment Analysis an...

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Main Author:	Agustin, Hamdi
Format:	Thesis
Language:	eng eng
Published:	2015
Subjects:	HB Economic Theory HG Finance
Online Access:	https://etd.uum.edu.my/4898/1/s91261.pdf https://etd.uum.edu.my/4898/2/s91261_abstract.pdf
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id	my-uum-etd.4898
record_format	uketd_dc
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
advisor	Md Rus, Rohani
topic	HB Economic Theory HG Finance
spellingShingle	HB Economic Theory HG Finance Agustin, Hamdi Prestasi dan factor-faktor yang mempengaruhi bank-bank di Indonesia sebelum dan selepas krisis kewangan
description	The purpose of this study is to examine whether performance of Indonesian banks is affected by ownership structures, status of banks, total equity, financial crisis, economic growth and financial ratios. Banks performance is measured by cost efficiency and profitability (Data Envelopment Analysis and Profitability (Return on Assets and Return on Equity). The sample consists of 74 banks namely 56 private banks, 15 BPDs, and three federal banks from 1995 to 2006. The data was analyzed using four methods, namely, ordinary least-squares, general least squares, random effects and tobit regression. Additional analyses were conducted in which extreme data values were adjusted either by using 0.5 percent truncating approach or three standard deviations truncating approach. Data analysis was done for all data from 1995 to 2006. To see the impact of the financial crisis, the data is divided into during and outside crisis periods. The findings from DEA analysis show that government banks are more efficient than private banks or district development banks and regression analysis show that district development banks performed better compared to private banks. The amount of equity affects both the cost efficiency and the profitability of banks while economic growth, financial crisis, and financial ratios affect the profitability of banks. Bank status has no effect on bank performance. This study contributes significantly to the policy makers. They should not change the structure of government-owned local banks in Indonesia, ensure that the political situation is stable, and the economy is well managed. Meanwhile for the bankers, this study shows that first, managers need to increase the amount of equity capital. Second, managers should be aware that providing foreign currency services do not increase bank performance. Third, managers should ensure that the cost is always at an optimal level and finally, they should consider mergers. In addition, this study also enriches the literature on the banking industry in Indonesia as it discusses a unique form of bank ownership in Indonesia, i.e. the district development banks which are owned by the local government
format	Thesis
qualification_name	Ph.D.
qualification_level	Doctorate
author	Agustin, Hamdi
author_facet	Agustin, Hamdi
author_sort	Agustin, Hamdi
title	Prestasi dan factor-faktor yang mempengaruhi bank-bank di Indonesia sebelum dan selepas krisis kewangan
title_short	Prestasi dan factor-faktor yang mempengaruhi bank-bank di Indonesia sebelum dan selepas krisis kewangan
title_full	Prestasi dan factor-faktor yang mempengaruhi bank-bank di Indonesia sebelum dan selepas krisis kewangan
title_fullStr	Prestasi dan factor-faktor yang mempengaruhi bank-bank di Indonesia sebelum dan selepas krisis kewangan
title_full_unstemmed	Prestasi dan factor-faktor yang mempengaruhi bank-bank di Indonesia sebelum dan selepas krisis kewangan
title_sort	prestasi dan factor-faktor yang mempengaruhi bank-bank di indonesia sebelum dan selepas krisis kewangan
granting_institution	Universiti Utara Malaysia
granting_department	Othman Yeop Abdullah Graduate School of Business
publishDate	2015
url	https://etd.uum.edu.my/4898/1/s91261.pdf https://etd.uum.edu.my/4898/2/s91261_abstract.pdf
_version_	1747827823591030784
spelling	my-uum-etd.48982021-03-18T03:03:43Z Prestasi dan factor-faktor yang mempengaruhi bank-bank di Indonesia sebelum dan selepas krisis kewangan 2015 Agustin, Hamdi Md Rus, Rohani Othman Yeop Abdullah Graduate School of Business Othman Yeop Abdullah Graduate School of Business HB Economic Theory HG Finance The purpose of this study is to examine whether performance of Indonesian banks is affected by ownership structures, status of banks, total equity, financial crisis, economic growth and financial ratios. Banks performance is measured by cost efficiency and profitability (Data Envelopment Analysis and Profitability (Return on Assets and Return on Equity). The sample consists of 74 banks namely 56 private banks, 15 BPDs, and three federal banks from 1995 to 2006. The data was analyzed using four methods, namely, ordinary least-squares, general least squares, random effects and tobit regression. Additional analyses were conducted in which extreme data values were adjusted either by using 0.5 percent truncating approach or three standard deviations truncating approach. Data analysis was done for all data from 1995 to 2006. To see the impact of the financial crisis, the data is divided into during and outside crisis periods. The findings from DEA analysis show that government banks are more efficient than private banks or district development banks and regression analysis show that district development banks performed better compared to private banks. The amount of equity affects both the cost efficiency and the profitability of banks while economic growth, financial crisis, and financial ratios affect the profitability of banks. Bank status has no effect on bank performance. This study contributes significantly to the policy makers. They should not change the structure of government-owned local banks in Indonesia, ensure that the political situation is stable, and the economy is well managed. Meanwhile for the bankers, this study shows that first, managers need to increase the amount of equity capital. Second, managers should be aware that providing foreign currency services do not increase bank performance. Third, managers should ensure that the cost is always at an optimal level and finally, they should consider mergers. In addition, this study also enriches the literature on the banking industry in Indonesia as it discusses a unique form of bank ownership in Indonesia, i.e. the district development banks which are owned by the local government 2015 Thesis https://etd.uum.edu.my/4898/ https://etd.uum.edu.my/4898/1/s91261.pdf text eng public https://etd.uum.edu.my/4898/2/s91261_abstract.pdf text eng public Ph.D. doctoral Universiti Utara Malaysia Aburime, U. T. (2009). 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