摘要：BRI Bank has its main focus to develop micro, small, and medium enterprises (UMKM). With the support of 18 Regional Offices, BRI has become the pioneer in distributing commercial retail credit. However, from 2010 to 2015, the percentage of BRI profit decreased. This research aimed to analyze the efficiency level and examine the factors affecting the commercial retail credit channeling in BRI Regional Office 3 to the SME sector. The research was conducted using DEA and Panel Regression methods with secondary data in the Financial Statements of BRI Jakarta Regional Office 3, year-end periods of 2013, 2014 and 2015. Based on the analysis conducted using the DEA method, the results indicated that 4 DMU units (Branch Offices) from the total of 36 DMU units; i.e. in Joglo, Sanggau, Singkawang and Tangerang Merdeka achieved their efficiency value in the year of 2013-2015 consistently; that is, they were able to complete the work correctly by using minimum inputs that produce maximum outputs. Based on the significant value, factors affecting the efficiency of banks include operational costs, NPL, credit growth, and realization of debtors. The control of input or cost, the increase of retail credit productivity, and good credit quality maintenance can influence the efficiency score of each work unit in Regional Office 3 of BRI Jakarta, so it can give profit contribution for the company.
