Pengaruh LDR, IPR, APB, NPL, PPAP, Dan IRR Terhadap Efisiensi Biaya Dengan Menggunakan Stochastic Frontier Pada Bank Pembangunan Daerah Di Sumatera
Daftar Isi:
- This study aims to determine the effect of LDR, IPR, APB, NPL, PPAP, and the IRR on the Cost Efficiency to Regional Development Bank in Sumatra started from the first quarter of 2008 to the third quarter of 2011. The measurement of this Efficiency uses the Stochastic Frontier method with the cost function. The purpose is to measure the Cost Efficiency itself where the bank is getting more efficient if it is approaching 100 percent. Based on this research, it is known obviously that the LDR, IPR, APB, NPL, PPAP, and IRR together have a significant effect on the Cost Efficiency of 69.6 percent and the rest of 30.4 percent are caused by another variable out of independent variable. The ratio IPR partially has a significant negative effect on the Cost Efficiency. In addition, among the six variables of the study, the ratio of IPR has the most dominant contribution as big as 50.6 percent while LDR partially has significant positive influence. On the other hand, APB, NPL, and partial PPAP have less significant negative impact on the Cost Efficiency. Besides, IRR has no significant influence on the Cost Efficiency of Regional Development Banks in Sumatra.