ANALISIS PERBANDINGAN TINGKAT EFISIENSI BIAYA PADA BANK UMUM PENYALUR KUR DAN BANK UMUM NON PENYALUR KUR DI INDONESIA

Nurmayanti, Dian Anggraini

Jurnal Ilmiah Mahasiswa FEB
Vol 4, No 1: Semester Ganjil 2015/2016

This study aimed to compare cost efficiency rate between KUR’s distributor bank and non KUR’s distributor bank  in Indonesia.  This  research used  cost of loanable fund, overhead cost, risk premium, loan volume, and other operating income annual data from BCA, BNI, Mandiri and BRI2007-2014. The method used was Data Envelopment Analysis (DEA) and independent sample t- test using  MaxDEA  6.0  and SPSS  16.0  as helping tools.  Data  Envelopment Analysis (DEA) examination found that generally cost efficiency rate of non KUR’s distributor bank higher than KUR’s distributor bank. To maximize the cost efficiency rate, inefficient bank should increase their loan volume. Keyword: KUR, cost efficiency, Data Envelopment Analysis