Faktor Penentu Efisiensi: Diversifikasi Aset, Risiko, Ukuran Bank, dan Likuiditas
Keywords:
Asset diversification; Bank size; Efficiency; Liquidity; Risk.Abstract
Banking plays an important role in the economy both micro and macro. In addition, it is
crucial for a country to have a strong and robust banking system. To realize a strong and
robust banking banks need to maintain their efficiency. Therefore, it is necessary to
identify the factors that affect efficiency, including asset diversification, risk, bank size
and bank liquidity. The sample of this research are conventional banks with a total of 10
banks that have the largest share of assets in Indonesia. In this study to identify the effect
of asset diversification, bank risk, bank size, and bank liquidity on bank efficiency used
multiple linear regression analysis methods were used. This study concludes that asset
diversification actually reduces bank efficiency. The increased bank risk, the better
efficiency. Then, the size of the bank and liquidity have no effect on efficiency. Therefore,
banks need to review the diversification strategy, ensure that the risks associated with
each asset and portfolio as a whole are well-identified and look for opportunities to
automate repetitive processes and reduce overall operational costs.
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