Article Per Year (5 Year)
p-Index From 2021 - 2026
5.95
P-Index
This Author published in this journals
All Journal Efisiensi : Kajian Ilmu Administrasi Governance : Jurnal Ilmu Pemerintahan Jurnal Ekonomika Journal of Economics, Business, & Accountancy Ventura DiE: Jurnal Ilmu Ekonomi dan Manajemen JURNAL EKONOMI DAN BISNIS AIRLANGGA JEA17: Jurnal Ekonomi Akuntansi JEB17 : Jurnal Ekonomi dan Bisnis JHP17 (Jurnal Hasil Penelitian) Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah PROCEEDING ICTESS (Internasional Conference on Technology, Education and Social Sciences) PROFIT FENOMENA JEM17: Jurnal Ekonomi Manajemen Business and Finance Journal Arthavidya Jurnal Ilmiah Ekonomi Jurnal EK dan BI Journal Of Human And Education (JAHE) SWARNA Business Management International Journal of Economics (IJEC) Journal of Artificial Intelligence and Digital Business Journal Community Service Consortium Innovative: Journal Of Social Science Research Journal of Psychiatry Psychology and Behavioral Research (JPPBR) Jurnal Multidisiplin Sahombu Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi IIJSE International Journal of Research in Counseling IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Jurnal Ekonomi, Manajemen, Akuntansi Journal of Indonesian Social Sciences and Humanities
Tri Ratnawati
Dosen Fakultas Ekonomi Universitas 17 Agustus 1945 Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

Published : 72 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : Business Management

 1 
Beyond the Liquidity Illusion: Evaluating the Efficiency of Indonesia’s Himbara Banks Pamungkas, Binar Dwiyanto; Ratnawati, Tri; Khairunnisah, Noni Antika
Business Management Vol 4, No 4 (2025): Business Management November
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/bisnis.v4i4.9744

Abstract

Analyze the efficiency levels of Himbara banks after receiving Rp200 trillion in funds from the Ministry of Finance. Compare the efficiency levels between Himbara banks in the periods before and after the fund placement policy. Identify internal factors that influence the efficiency of government fund management at Himbara banks. This study uses a quantitative approach with the non-parametric Data Envelopment Analysis (DEA) method. This approach was chosen because it can measure the relative efficiency between decision-making units (DMUs) without requiring specific production function assumptions (Charnes, Cooper, & Rhodes, 1978). DEA allows researchers to evaluate the ability of Himbara banks to efficiently convert inputs (resources) into outputs (intermediation results). The analysis was conducted for the period 2024–2025, covering conditions before and after the placement of IDR 200 trillion in funds from the Ministry of Finance. To analyze factors influencing efficiency, the Tobit regression model was used. Data Envelopment Analysis (DEA) results show that the Rp200 trillion injection of funds was only effective in increasing efficiency at already productive banks (BRI, Mandiri, and BTN), while BNI still exhibited inefficiency due to its inability to convert additional funds into proportional credit growth and interest income. This indicates the need for improvements in credit distribution strategies, operational cost management, and risk management so that the injection of public funds truly has an optimal impact on efficiency and economic growth. Tobit Regression results indicate that bank efficiency in Indonesia tends to increase if banks have strong capital adequacy, good asset quality, and optimal intermediation capabilities. Conversely, increasing NPLs and excessive asset expansion can be factors that reduce efficiency. Therefore, future banking policy strategies need to focus on improving asset quality, cost efficiency, and implementing effective governance across all bank scales
Co-Authors - Hwihanus Achmad Maqsudi, Achmad Adam Maulana Adiati Trihastuti, Adiati Agtovia Frimayasa, Agtovia Aldi, Muhammad Fauzan Amanda, Dian Amelia Kusniawati, Amelia Amiartuti Kusmaningtyas Anika, Refi Tri Aprilianto, Deni Aulia, Arti Mirza Binar Dwiyanto Pamungkas, Binar Dwiyanto Boquifai, Petronela M. Brahmayanti, I.A. Sri brahmayanti, Ida Ayu Sri Dantje Salean, Dantje Ervina Ervina Fitriyah, Rif'atul Gede, I Komang Hakim Muttaqim Hamzah, A. Hadian Pratama Hariyani, Diyah Santi Henny Mahmudah, Henny Hwihanus I Nyoman Lokajaya, I Nyoman Ida Bagus Cempena, Ida Bagus Ikbar Luqyana Indrawati Yuhertiana Islamiyah, Fitria Ayu kartika, ika saridewi Kartikasari, Linda Khairunnisah, Noni Antika Kurniawan, Sindu Bagas Kurniawati, Dinda Dwi Listyaningsih, Emilia Desi Lokajaya, Nyoman Magalhaes, Cancio Andika Irawan Maia, Fonseca De Jesus malik, tajuddin Mandag, Herny Ria Mardiono, Viona Eka Putri Marwanto, Ontot Masfa’ani, Rikhza Mediana, Anastasya Mechta Melania, Melania Nanlohy, Yehezkiel Benaya Nekky Rahmiyati Nugroho, Mulyanto Nurhalyza, Tasya Nurhasanah Nurhasanah Nuryani, Anik Oktaviyanto, Nanda Pardede, Esther Tioma Nauly Pradhani, Tri Buana Wira Pribadi, Fancholik Joko Putra, Surya Jaya Purnama Putu Suardana, I Gede Rachmadani, Adelia Putri Rahayu, Cindy Septiana rahmawati, Debby Yusriliana Rodhiyah Rodhiyah Sahrul, M Santi, Dyan Evita Sariah Sariah Sawal Sartono, Sawal Septian, Michael Revelin Ervan Setyono, Vicky Indarto Sholiqah, Suci Nurlayli Alimatu Siti Mujanah Sitohang, Arga Christian Sobri, Mohamad Aulia soebrati, ni wayan Sri Andayani Sri Andayani Sri Hadijono, Sri Sri Harijati, Sri Sulistyo Sulistyo Sumirat, Esti Sutirman Sutirman tandi, asrin Ulfi Pristiana Warella, Veren Wendy Widi Hidayat Widodo Sarjana AS, Widodo Wijaya, Andjar Eka Ximenes, Elias