Sumeke, Militia Christy Agil (2019) Analisis Perbandingan Kinerja Keuangan Bank Umum Konvensional dan Bank Umum Syariah Berdasarkan Rasio Keuangan Bank (Studi pada Bank Umum Konvensional dan Bank Umum Syariah yang terdaftar dan diawasi oleh Otoritas Jasa Keuangan periode 2013-2017). Sarjana thesis, Universitas Brawijaya.
Abstract
Penelitian ini bertujuan untuk melakukan perbandingan kinerja keuangan Bank Umum Konvensional dan Bank Umum Syariah periode 2013-2017 yang telah terdaftar dan diawasi oleh Otoritas Jasa Keuangan (OJK) dengan menggunakan metode RGEC. Berdasarkan faktor Risk Profile (Profil Resiko) menggunakan rasio Non Performing Loan/Non Performing Financing (NPL/NPF) dan Loan Deposit Ratio/Financing Deposit ratio (LDR/FDR) untuk mengukur risiko likuiditas. Faktor Earnings (Rentabilitas) menggunakan rasio Return on Asset (ROA), Return on Equity (ROE), Biaya Operasional terhadap Pendapatan Operasional (BOPO). Faktor Capital (Modal) menggunakan rasio Capital Adequacy Ratio (CAR). Populasi dalam penelitian ini sebanyak 68 Bank Umum Konvensional dan 11 Bank Umum Syariah. Pengambilan sampel dilakukan dengan purposive sampling sehingga sampel yang digunakan 5 Bank Umum Konvensional dan 5 bank Umum Syariah. Teknik analisis data yang digunakan adalah analisis statistic deskriptif dan uji independent sample t-test. Berdasarkan tenik analisa data yang dilakukan, maka dari hasil penelitian menjelaskan bahwa berdasarkan rata-rata (mean) dari masing-masing rasio menunjukkan bahwa kinerja keuangan Bank Umum Konvensional dilihat dari rasio LDR/FDR, ROA, ROE, dan NPL/NPF lebih baik dibandingkan Bank Umum Syariah. Berdasarkan rasio CAR kinerja Bank Umum Syariah lebih baik dibanding Bank Umum Konvensional.Berdasarkan hasil Uji Independent Sample t-test bahwa terdapat perbedaan yang signifikan dari rasio LDR/FDR, ROA, ROE, CAR, dan NPL/NPF.
English Abstract
This study aims to compare the financial performance of Conventional Commercial Banks and Islamic Commercial Banks for the 2013-2017 period that have been registered and supervised by the Financial Services Authority (OJK) using the RGEC method. Based on the Risk Profile factor, the ratio of Non Performing Loans /Non Performing Financing (NPL/NPF) and Loan Deposit Ratio / Financing Deposit ratio (LDR/FDR) to measure liquidity risk. Earnings Factor (Rentability) uses the ratio of Return on Assets (ROA), Return on Equity (ROE), Operating Costs to Operating Income (BOPO). The Capital (Capital) factor uses the Capital Adequacy Ratio (CAR) ratio. The population in this study were 68 Conventional Commercial Banks and 11 Islamic Commercial Banks. Sampling was done by purposive sampling so that the samples used were 5 Conventional Commercial Banks and 5 Islamic Commercial Banks. The data analysis technique used is descriptive statistical analysis and independent sample t-test. Based on the data analysis technique, the results of the study explain that based on the mean of each ratio shows that the financial performance of Conventional Commercial Banks seen from the ratio of LDR/FDR, ROA, ROE, and NPL/NPF is better than Islamic Commercial Bank. Based on the CAR ratio the performance of Sharia Commercial Banks is better than Conventional Commercial Banks. Based on the results of the Independent Sample t-test that there are significant differences from the ratio of LDR/FDR, ROA, ROE, CAR, and NPL /NPF.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FIA/2019/316/051906339 |
| Uncontrolled Keywords: | Kinerja Keuangan, RGEC, LDR/FDR, NPL/NPF,ROA, ROE,BOPO,CAR-Financial Performance, RGEC, LDR / FDR, NPL/NPF, ROA, ROE, BOPO, CAR. |
| Subjects: | 600 Technology (Applied sciences) > 658 General management > 658.1 Organization and financial management > 658.15 Financial management |
| Divisions: | Fakultas Ilmu Administrasi > Ilmu Administrasi Bisnis / Niaga |
| Depositing User: | soegeng sugeng |
| Date Deposited: | 10 Nov 2020 01:08 |
| Last Modified: | 21 Oct 2021 07:05 |
| URI: | http://repository.ub.ac.id/id/eprint/172842 |
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