Analisis Efisiensi Operasional Dan Manajerial Bank Konvensional IPO Di Indonesia Periode Sebelum Dan Saat Pandemi COVID-19

Semenjak COVID-19 melanda dunia, salah satu yang terdampak adalah negara Indonesia. Pada 2 Maret 2020 Presiden Joko Widodo menyatakan virus COVID-19 telah memasuki Indonesia. Penyebaran virus COVID-19 yang cukup pesat memberikan dampak yang besar bagi perekonomian di Indonesia. Berdasarkan data statistik BPS RI menyatakan bahwa Indonesia mengalami penurunan pertumbuhan ekonomi yang drastis pada Kuartal II 2020 yaitu sebesar -5,32%. Salah satu industri yang terdampak adalah industri perbankan sehingga menyebabkan kinerja perbankan mengalami penurunan. Penelitian ini bertujuan untuk mengukur, menganalisis, dan membandingkan tingkat efisiensi operasional dan efisiensi manajerial bank konvensional di Indonesia sebelum dan saat COVID-19 menggunakan metode Two-stage DEA Model (VRS output-oriented dan dilanjutkan dengan uji t-paired). Data yang dikumpulkan berupa laporan keuangan dan laporan tahunan dari masing-masing sampel bank. Kemudian data diolah menggunakan model DEA VRS dengan cara memasukkan variabel input dan output yang diambil berdasarkan pendekatan intermediasi, serta uji t-paired untuk menguji perbedaan signifikan pada suatu populasi yang sama. Hasil penelitian menunjukkan bahwa tidak terdapat perbedaan yang signifikan antara efisiensi operasional dan manajerial sebelum dan saat pandemi COVID-19. Kesimpulan yang didapat dari penelitian adalah industri perbankan perlu pengawasan yang lebih ketat lagi dari pemerintah, industri perbankan sendiri harus dapat menjaga kesehatan operasional dan manajerial mereka. ====================================================================================================== Since COVID-19 hit the world, one of the people affected is Indonesia. On March 2, 2020, President Joko Widodo stated that the COVID-19 virus had entered Indonesia. The rapid spread of the COVID-19 virus has had a major impact on the economy in Indonesia. Based on statistical data from BPS RI, it is stated that Indonesia experienced a drastic decline in economic growth in the second quarter of 2020, amounting to -5.32%. One of the industries that was affected was the banking industry which caused banking performance to decline. This study aims to measure, analyze, and compare the level of operational efficiency and managerial efficiency of conventional banks in Indonesia before and during COVID-19 using the Two-stage DEA Model (VRS output-oriented and followed by t-paired test). The data was collected online, in the form of financial reports and annual reports from each sample of the bank. Then the data is processed using the DEA VRS model by entering the input and output variables which are taken based on the intermediation approach, as well as the paired t-test to test for significant differences in the same population. The results showed that there was no significant difference between operational and managerial efficiency before and during the COVID-19 pandemic. The conclusion from the research is that the banking industry needs even tighter supervision from the government, the banking industry itself must be able to maintain their operational and managerial health