Pengaruh Investasi Teknologi Informasi terhadap Efisiensi dan Penguasaan Pasar pada Perusahaan Perbankan Studi Kasus Sepuluh Bank Papan Atas Indonesia

• Main Authors: , Syaiful Effendi, , Prof. Dr. Slamet Sugiri, M.B.A, Ak.
• Format: Theses and Dissertations NonPeerReviewed
• Published: [Yogyakarta] : Universitas Gadjah Mada 2013
• Subjects: ETD
• 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
• Institution: Universitas Gadjah Mada

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.