Abstract
This study aims to analyze the efficiency of the performance of finance companies in Indonesia during the COVID-19 pandemic starting from 2019-2021 using the Data Envelopment Analysis (DEA) approach. The type of data in this research is secondary data in the form of financial statements and annual reports of finance companies obtained from the official websites www.idx.co.id and www.ojk.go.id. The population in this study were all finance companies in Indonesia registered with the financial services authority (OJK). The sampling technique used is purposive sampling technique with a sample of 76 finance companies. The test used in this study is a non-parametric test with a Data Envelopment Analysis (DEA) model that compares the inputs and outputs of companies. The selected input variables include, fixed assets, labor costs, third party funds (DPK). While the output variables include loans, interest income, non-interest income. The results showed that the average finance company in 2019 had an efficient value and continued to increase, but at the beginning of 2020 to 2021 it experienced an inefficient decline during the covid-19 pandemic
Highlights
This study aims to analyze the efficiency of the performance of finance companies in Indonesia during the COVID-19 pandemic starting from 2019-2021 using the Data Envelopment Analysis (DEA) approach
The results showed that the average finance company in 2019 had an efficient value and continued to increase, but at the beginning of 2020 to 2021 it experienced an inefficient decline during the covid-19 pandemic
Utang Terhadap Rentabilitas Modal Sendiri Pada Perusahaan PembiayaanIndonesia. 2(2), 239–252. Santia, T. (2020). Dampak covid-19 terhadap perusahaan pembiayaan. Retrieved from liputan website: https://www.liputan6.com/bisnis/read/4329201/6- Srihartanto, D. S. (2008). Analisis pengaruh Kinerja Keuangan dan Struktur kepemilikan Saham terhadap Return On Equity. Universitas Diponegoro
Summary
Berdasarkan data statistik Otoritas Jasa Keuangan (OJK), rasio kredit bermasalah atau non performing financing (NPF) industri multifinance mencatatkan rekor tertinggi dimana pada tahun 2020 juga nilai NPF dijelaskan selalu menagalami peningkatan seperti grafik di bawah ini. Variabel input dalam penelitian ini meliputi: Aktiva tetap, , dana pihak ke 3 dan Biaya Tenaga Kerja, sedangkan untuk variabel outputnya meliputi: Kredit yang diberikan, Pendapatan Bunga, dan pendapatan non bunga. HASIL DAN PEMBAHASAN Berikut untuk hasil output dengan menggunakan STATA versi 13.0, Data diambil dari variabel input meliputi Aktiva tetap, dana pihak ke 3 dan Biaya Tenaga Kerja, sedangkan untuk variabel outputnya meliputi: Kredit yang diberikan, Pendapatan Bunga, dan pendapatan non bunga. Hasil Perusahaan pembiyaan tahun 2019 dengan menggunakan model CRS dan VRS serta Skala Efficiency dapat diperoleh sebagai berikut: Tabel 1 Hasil Efisien Perusahaan/lembaga pembiayaan 2019
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