Strategi Meningkatkan Efisiensi di Industri Perbankan: Tinjauan Penelitian Sistematis dan Analisis Bibliometrik
DOI:
https://doi.org/10.38035/jmpis.v7i2.7544Keywords:
Efisiensi Perbankan, Tinjauan Penelitian Sistematis, Analisis Bibliometrik, Transformasi Digital, Keberlanjutan KeuanganAbstract
Efisiensi dalam industri perbankan tidak lagi dipahami semata sebagai indikator berbasis akuntansi, melainkan sebagai faktor strategis yang menentukan daya tahan bank dalam menghadapi percepatan transformasi digital dan meningkatnya ketidakpastian ekonomi global. Penelitian ini bertujuan merumuskan arah strategis peningkatan efisiensi perbankan melalui pendekatan tinjauan penelitian sistematis yang dipadukan dengan analisis bibliometrik. Sebanyak 90 artikel jurnal terindeks Scopus yang diterbitkan pada periode 2007–2026 dianalisis menggunakan prosedur seleksi terstruktur. Pemetaan bibliometrik dimanfaatkan untuk mengungkap struktur intelektual, perkembangan tema, dan pola konsentrasi riset dalam kajian efisiensi perbankan, serta diperkaya dengan konteks makroekonomi dan laporan industri internasional. Hasil analisis menunjukkan lonjakan signifikan publikasi penelitian efisiensi perbankan sejak 2015, dengan penekanan utama pada keterkaitan efisiensi dan stabilitas keuangan, strategi diversifikasi pendapatan, serta efektivitas realokasi kredit. Temuan penelitian juga mengindikasikan pergeseran dari strategi efisiensi berbasis pengendalian biaya menuju pendekatan yang berorientasi pada penciptaan nilai melalui inovasi digital dan penguatan tata kelola. Studi ini memperkuat relevansi perspektif berbasis sumber daya dalam menjelaskan dinamika efisiensi perbankan kontemporer serta menawarkan implikasi strategis bagi perumusan kebijakan dan praktik manajerial yang berkelanjutan.
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