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Does Competition Make Regional Development Banks More Efficient?

Zunairoh, Zunairoh and Murhadi, Werner Ria and Wijaya, Liliana Inggrit and Sutejo, Bertha Silvia (2022) Does Competition Make Regional Development Banks More Efficient? In: The 4th International Conference on Business and Banking Innovations (ICOBBI) 2022.

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Abstract

This study aims to examine the competition for efficiency in regional development banks in Indonesia. This study uses risk as a moderating variable to examine the relationship between competition and the efficiency of regional development banks in Indonesia. The research sample is all regional development banks in Indonesia that have financial reports for the 2015-2019 period with 105 observations. The first-stage test method uses balanced panel data regression to examine individual interactions. The second stage is the Paired Samples T-Test for hypothesis testing after testing each individual interaction. The results of the study prove that competition has a negative effect on efficiency. Meanwhile, the risk of significantly lowering the efficiency of regional development banks in Indonesia. Keywords: efficiency, competition, risk, regional development bank.

Item Type: Conference or Workshop Item (Paper)
Subjects: 300 - SOCIAL SCIENCE > 332.12 - BANKS & BANKING
Divisions: ICOBBI (International Conference of Business and Banking Innovations)
Depositing User: Perpustakaan Universitas Hayam Wuruk Perbanas Surabaya
Date Deposited: 22 Jun 2022 03:35
Last Modified: 28 Jun 2022 02:32
URI: http://eprints.perbanas.ac.id/id/eprint/9268

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