ANALISIS VARIABEL OPERASIONAL YANG BERPENGARUH TERHADAP EFISIENSI OPERASIONAL BANK PERKREDITAN RAKYAT (BPR) WILAYAH MALANG

Abstract

Efficiency is important to industrial banking because since released the prudent deregulation of banking have growing new banks and making tight competitions on the industrial of bank. Not including if linked with existence of bank that must take or put outside fund where will given return on investment for survival live in future. So efficiency is important item to noticing. The operational variables influenced toward efficiency talked about are savings, total loan, total of spread value and total intermediate cost.
This research aimed to know amount of savings, loan, amount of spread value, amount intermediate cost and degree efficiency of Bank Perkreditan Rakyat (BPR) in Malang district.
The method to taking sample using Purposive Sampling Type Judgement Sampling is the method-taking sample with belonging non-probabilities where the selection based certain criteria is obtained 22 numbers BPR as sample by means of research periods 3 years (2001-2004) at the BPR in Malang areas. The analysis data used descriptive analysis and inferential statistic analysis, is the multiple regression analysis-using program Statistic Package for Social Science (SPSS) ver 10.5 for Windows 2000 with level of signifikan 5% ( = 5%).
Based result of descriptive analysis, funded that amount of savings, amount of loans, amount of spread value, amount of intermediate cost, and degree of efficiency ever of Bank Perkreditan Rakyat (BPR) in Malang areas as long as period of research begin 2001 to 2004 are to much variation between one of BPR with other.