Pengaruh Investasi Teknologi Informasi terhadap Efisiensi dan Penguasaan Pasar pada Perusahaan Perbankan Studi Kasus Sepuluh Bank Papan Atas Indonesia
Investments on Information Technology (IT) in banking companies are believed to improve efficiency and customer market share, both in terms of Third Party Funds (TPF) and loans. Banking firm efficiency can be measured from the Operating Expenses versus Operating Income (BOPO), the smaller the value...
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| Main Authors: | , |
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| Format: | Theses and Dissertations NonPeerReviewed |
| Published: |
[Yogyakarta] : Universitas Gadjah Mada
2013
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| Subjects: | |
| Online Access: | https://repository.ugm.ac.id/118354/ http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=58301 |
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| Institution: | Universitas Gadjah Mada |
| Summary: | Investments on Information Technology (IT) in banking companies are believed
to improve efficiency and customer market share, both in terms of Third Party
Funds (TPF) and loans. Banking firm efficiency can be measured from the
Operating Expenses versus Operating Income (BOPO), the smaller the value of
BOPO, the more efficient that company. Deposit market share can be seen from
the total fund savings, current accounts and savings deposits (deposits) held a
bank compared to the total funds savings, current accounts and term deposits of
all banks. On the other hand we can see the market share of the loans by
calculating total of loans of a bank compared to the total loans given by all
commercial banks. The larger the market share of a bank, the greater the network
effect of the bank they owned..
The purpose of this research is to examine the effect of IT investments on
efficiency and market share, both in terms of deposits and loans. The research
data was obtained from the Financial Statements of Banks and Banking Statistics
Indonesia monthly reports from January 2008 until December 2011. The samples
were ten banks by using a purposive sample phase. The method used is a panel
data regression of time series cross section.
The results showed that IT investments had a positive effect on bank
efficiency, which can be seen from the decrease in BOPO. IT investments also
have a positive effect on the market share of deposits and loans. There is a
network effect that could be seen from the influence of total investment of a
competitor that adversely affect the efficiency of market deposits, and loan market
share. Investment in information technology is a long term investment, this is due
to the implementation time of a new information technology devices. |
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