Myirandasari, Bella (2015) Analisis Komparasi Stabilitas Perbankan Syariah dan Konvensional (Bank Umum Devisa Non Go Public di Indonesia. Sarjana thesis, Universitas Brawijaya.
Abstract
Stabilitas perbankan merupakan salah satu pendukung pertumbuhan ekonomi. Sebagai otoritas moneter, Bank Indonesia tidak hanya menjaga stabilitas moneter, melainkan juga stabilitas perbankan untuk mendukung pertumbuhan ekonomi yang berkelanjutan. Di Indonesia, saat ini tidak hanya perbankan konvensional akan tetapi perbankan syariah pun ikut berperan dalam mendukung pertumbuhan ekonomi. Penelitian ini bertujuan untuk mengetahui bagaimana perbedaan stabilitas perbankan syariah dan konvensional di Indonesia. Stabilitas sistem perbankan dicerminkan dengan kondisi perbankan yang sehat, dimana perbankan tersebut bebas dari masalah kebangkrutan.Stabilitas perbankan diukur menggunakan model pengukuran tingkat kebangkrutan bank yang disebut dengan Z-Score. Menggunakan uji Mann-Whitney, penelitian ini menunjukkan bahwa stabilitas perbankan konvensional lebih baik daripada bank syariah. Penelitian ini menggunakan data dari bank umum devisa non go public di Indonesia. Stabilitas kedua jenis bank tersebut secara umum dapat dilihat dari rasio likuiditas dan profitabilitasnya. Tingkat likuiditas bank syariah lebih rendah daripada bank konvensional. Likuiditas yang dicerminkan dengan kepercayaan, masih menjadikan bank konvensional lebih unggul daripada bank syariah. Lebih daripada itu, pemahaman masyarakat Indonesia terhadap perbankan syariah saat ini masih kurang sehingga bisa berdampak pada menurunnya profitabilitas bank syariah.
English Abstract
Banking stability is one thing that supporting economic growth. As the monetary authority, Bank Indonesia not only maintain the stability of monetary, but also banking stability to support sustainable economic growth. In Indonesia, nowadays, it’s not only the conventional banking, but Islamic banking also had a role in supporting economic growth. This research aims to determine how is the difference between banking stability of Islamic and conventional bank in Indonesia. The stability of banking system is reflected by the sound banking condition, where the bank is free from any problem of bankruptcy. Banking stability itself was measured using a bank bankruptcy rate measurement model which is called the Z-Score. Using the Mann-Whitney test, this research shows that conventional banking stability is better than Islamic bank’s. This research uses data from foreign exchange bank non go public in Indonesia. Stability of these two types of bank, in general, can be seen from the ratio of liquidity and profitability. Islamic bank’s liquidity level is lower than conventional bank’s. Liquidity itself, which is reflected by trust, still make conventional banks are superior to Islamic banks. Moreover, the understanding of Indonesian people towards Islamic banking is still lacking, so it can decrease the profitability of Islamic banks.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FE/2015/158/051502574 |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Budi Wahyono Wahyono |
| Date Deposited: | 02 Apr 2015 13:49 |
| Last Modified: | 28 Oct 2021 07:18 |
| URI: | http://repository.ub.ac.id/id/eprint/107729 |
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