Analisis Perbandingan Kinerja Keuangan Perbankan Konvensional dengan Perbankan Syariah di Indonesia

Abstract

The purpose from the research is to find out some significant difference between Conventional Bank and Islamic Bank with CAMELS method see from the variable Capital (CAR), profitability (ROA & NIM), efficiency (NPL & BOPO), and Liquidity (LDR & GWM). The population in this study is a report the financial performance of Islamic banking and conventional banking registered at Bank Indonesia. The selection of the sample is done by purposive sampling. Showed 10 company to be samples, 5 Conventional Bank and 5 Islamic Bank from 2011-2015 period. The results showed that the views of the capital as measured by the CAR there is difference of performance of conventional banks with Islamic banks with a probability of 0,047. Profitability as measured by NPL conventional banks and Islamic banks because there are differences in the probability of a second banking 0,002. Level of efficiency as measured by the ROA and BOPO there is a difference with respective probabilities 0,000 and 0,000. NIM there is no difference because the probability is 0,764. While there are differences in the probability GWM 0,000. And Liquidity as measured by LDR there is no difference with probability 0.705. From the whole it can be concluded that the performance of conventional banks is higher when viewed from the average CAR, ROA, NIM, GWM, and LDR. And higher performance of Islamic banks seen from the average NPL and BOPO.