ANALISIS PERBEDAAN KINERJA BANK UMUM SYARIAH DAN BANK UMUM KONVENSIONAL DI INDONESIA

Authors

  • Ni Kadek Sri Budiartini Fakultas Ekonomi Universitas Mahasaraswati Denpasar
  • Anak Agung Putu Agung Fakultas Ekonomi Universitas Mahasaraswati Denpasar
  • Agus Wahyudi Salasa Gama Fakultas Ekonomi Universitas Mahasaraswati Denpasar

DOI:

https://doi.org/10.61938/fm.v15i2.165

Keywords:

conventional bank, syariah bank, performance

Abstract

This study aims to compare the financial performance of Sharia Commercial Banks with Conventional Banks in Indonesia in the period 2010-2015 using financial ratios. The financial ratios  used  consist  of  CAR,  KAP,  PPAP,  NPM,  ROA,  BOPO,  and  LDR.  The  data  used  in  this research is obtained from Bank Finance Publication Report 2010 to 2015 issued by Indonesia Stock Exchange. After passing through the purposive sample stage, then a decent sample is used as many as 12 samples, 6 Sharia Commercial Banks. The analytical technique used to compare the financial performance of Sharia Commercial Bank with Conventional Bank is the Independent sample  t-test  and  Mann  Whitney  Test  method.  The  analysis  shows  that  there  are  significant differences  for  each  financial  ratio  between  Sharia  Commercial  Bank  and  Conventional  Bank in Indonesia. Sharia Commercial Bank performs better in terms of CAR and KAP ratios, while Conventional Commercial Banks perform better in terms of ratio of PPAP, NPM, ROA, BOPO, and LDR.

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Published

2017-07-01

How to Cite

Sri Budiartini, N. K., Putu Agung, A. A., & Salasa Gama, A. W. (2017). ANALISIS PERBEDAAN KINERJA BANK UMUM SYARIAH DAN BANK UMUM KONVENSIONAL DI INDONESIA. Forum Manajemen, 15(2), 43–55. https://doi.org/10.61938/fm.v15i2.165