Analisis Perbandingan Kinerja Keuangan Bank Syariah Dengan Bank Konvensional Di Indonesia
| Main Author: | Arga Rina |
|---|---|
| Format: | Masters |
| Bahasa: | ind |
| Terbitan: |
Program Pascasarjana Universitas Riau
, 2016
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| Subjects: | |
| Online Access: |
http://lib.pps.unri.ac.id//index.php?p=show_detail&id=4004 http://lib.pps.unri.ac.id//lib/minigalnano/createthumb.php?filename=../../images/docs/Arga_Rina.PNG.PNG&width=200 |
Daftar Isi:
- AbstrakPenelitian ini dilakukan untuk membandingkan kinerja keuangan Bank Syariah dengan Bank Konvensional, dengan variabel yang diteliti adalah ROA (Return on Asset), DER (Debt Equity Ratio), BOPO (Beban Usaha terhadap Pendapatan Operasional), NPL (Net Performing Loan), LDR (Loan To Deposit Ratio) dan CAR (Capital Adequacy Ratio).Populasinya adalah seluruh Bank Syariah dan Bank Konvensional di Indonesia. Data ini didasarkan pada publikasi direktori perbankan Indonesia sejak tahun 2010 hingga 2014. Diperoleh jumlah sampel sebanyak 11 Bank Syariah dan 107 Bank Konvensional yang ada di Indonesia periode 2010-2014. Metode analisis yang digunakan adalah Analisis Non Parametrik yaitu Two Related Samples Test dengan uji Kolmogorov-Smirnov. Berdasarkan analisis data ditemukan bahwa ada perbedaan yang signifikan dari nilai rata-rata ROA, DER, BOPO, NPL dan LDR antara Bank Syariah dan Bank Konvensional. Adapun rasio CAR tidak ada perbedaan yang signifikan. Secara keseluruhan pada periode penelitian kinerja Bank Syariah lebih baik dari Bank Konvensional walaupun dilihat dari rata-rata semua rasio Bank Konvensional lebih bagus. Tetapi Bank Syariah lebih baik menurut analisa penulis karena pada saat krisis moneter masih bisa bertahan, dan pada saat perekonomian tidak kondusif NPL Bank Syariah meningkat tetapi masih dibawah NPL Bank Konvensional.Kata Kunci: Kinerja Keuangan, ROA, DER, BOPO, NPL, LDR and CARAbstractThis research is performed in order to compare the financial performance of Islamic Banks with Conventional Banks, with the variables studied are ROA (Return on Assets), DER (Debt Equity Ratio), BOPO (Operating Expense to Operating Income), NPL (Net Performing Loan), LDR ( Loan To Deposit Ratio) and CAR (Capital Adequacy Ratio).The population is all of Islamic Banks and Conventional Banks in Indonesia. The data is based on the publication of banking directory Indonesia since 2010 until 2014. Obtained by amount sampel as much 11 Islamic Banks and 107 Conventional Bank in Indonesia 2010-2014 period. The analytical method used is the Non Parametric Analysis of Two Related Samples Test namely the Kolmogorov-Smirnov test.Based on data analysis found that there was significant difference from the average value of the ROA, DER, BOPO, NPL and LDR, between Islamic Banks and Conventional Banks. As for CAR ratio there are no significant differences. Overall the study period performance of Islamic Bank better than Conventional Banks though seen from an average of all ratios Conventional Bank nicer. Islamic Bank better but according to the author analyzes because during the monetary crisis can still survive and when the economy is not conducive Islamic Bank NPL increase but still below the Bank Conventional NPL.Keywords:Financial Performance, ROA, DER, BOPO, NPL, LDR and CAR