ANALISIS EFISIENSI TEKNIS BANK PEMBANGUNAN DAERAH

This reaseach aims at analizing the efficiency rate of Bank Pembangunan Daerah (BPD) in Indonesia. The data are 26 BPDs listed in Financial Services Authority (OJK) and the Association of Bank Pembangunan Daerah (ASBANDA). Non-paramretric approach, Data Envelopment Analysis (DEA) by having VRS assumption was applied. The result shows that all BPDs in Indonesia has not been efficient yet; its average efficiency is 93,2%. There are only 12 banks that has 100% efficiency. The rest of the banks are not efficient in operating the bank. As a matter of fact, Bank Jateng is one of BPDs which has the lowest efficiency, 78%. The interest burdens becomes the main factor that cause the inefficiency of BPDs, so that, they should review the policies of interests and increase lending. The above steps are for balancing the input and the output.EA),