단위농협과 단위수협의 신용사업의 경영효율성 비교분석

Abstract

This study aims to examine and compare the management efficiency of the credit business of unit NongHyup and unit SuHyup. The total number of DMUs is 124 (NongHyup has 62 units and SuHyup has 62 units). The analysis applied the DEA method to estimate efficiency, using data from the 2015 financial statements. We used number of employees, depreciation costs, invested money, and operating costs as inputs and loans and deposits as outputs of the model. We used various DEA models to examine efficiency. The average efficiency of unit NongHyup was 85% technical efficiency, 92% pure technical efficiency, and 93% scale efficiency. The average efficiency score of unit SuHyup was analyzed as 87% technical efficiency, 91% pure technical efficiency, and 96% scale efficiency. As pooling two cooperatives together in a frontier, the result was estimated as a technical efficiency of 79%, pure technical efficiency of 87%, and a scale efficiency of 92%. Also, System-DEA and Bilateral-DEA models were applied to compare the two cooperatives. By conducting a rank-sum test from the efficiency of both models, we discovered that the efficiency of unit NongHyup is significantly higher than that of unit SuHyup. The results of the study also show that unit SuHyup requires to benchmark unit NongHyup relatively more and improve both its scale and proportion of inputs.