Analisis Perbandingan Kinerja Keuangan Bank Umum Konvensional Dengan Bank Umum Syariah di Indonesia Menggunakan Metode RGEC Periode 2018-2022

Authors

Putri Awaliana Ramdan , Lalu Hamdani Husnan , Siti Aisyah Hidayati

DOI:

10.29303/alexandria.v4i2.460

Published:

2023-09-30

Issue:

Vol. 4 No. 2 (2023): September

Keywords:

Financial Performance, Conventional Commercial Banks , Sharia Commercial Banks, RGEC

Articles

Downloads

How to Cite

Ramdan, P. A. ., Husnan, L. H. ., & Hidayati, S. A. . (2023). Analisis Perbandingan Kinerja Keuangan Bank Umum Konvensional Dengan Bank Umum Syariah di Indonesia Menggunakan Metode RGEC Periode 2018-2022. ALEXANDRIA (Journal of Economics, Business, & Entrepreneurship), 4(2), 67–75. https://doi.org/10.29303/alexandria.v4i2.460

Metrics

Metrics Loading ...

Abstract

This research aims to determine the differences in financial performance between Conventional Commercial Banks and Sharia Commercial Banks for the 2018-2022 period using the RGEC method which consists of Risk profile, Good corporate governance, Earnings and Capital. Risk Profile is proxied using the Non Performing Loans (NPL) ratio and Loan to Deposit Ratio (LDR) for BUK and Non Performing Financing (NPF) and Financial to Deposit Ratio (FDR) for BUS, GCG is proxied using the GCG self assessment composite value, Earnings are proxied using Return On Assets (ROA), Return On Equity (ROE), Net Interest Margin (NIM) for BUK and Net Operating Margin (NOM) for BUS and BOPO, and Capital is proxied using the Capital Adequacy Ratio (CAR). The sample used in this research consisted of 10 Conventional Commercial Banks and 7 Sharia Commercial Banks. Samples were taken using a purposive sampling method based on predetermined criteria. The data analysis techniques used in this research are descriptive statistics, normality test, and Independent Sample t-Test. The results of the research show that there are significant differences between Conventional Commercial Banks and Sharia Commercial Banks in the financial performance ratios of NPL/NPF, ROA, ROE, NIM and BOPO. Meanwhile, in terms of LDR/FDR, GCG and CAR financial performance ratios, there are no significant differences between Conventional Commercial Banks and Sharia Commercial Banks.

References

Aditomo, I. R. (2018). Analisis Perbandingan Kinerja Bank Umum Syariah dan Bank Umum Konvensional Di Indonesia Dengan Metode Risk Based Bank Rating. Skripsi. Universitas Islam Indonesia.

Anita, N. (2016). Analisis Perbandingan Kinerja Keuangan Bank Pemerintah (BUMN) dan Bank Swasta Nasional yang Terdaftar Di Bursa Efek Indonesia (BEI). Skripsi. Universitas Islam Negeri Alauddin Makasar.

Arinta, Y. N. (2016). Analisis Perbandingan Kinerja Keuangan antara Bank Syariah dan Bank Konvensional (Studi Kasus pada Bank Syariah Mandiri dan Bank Mandiri). Jurnal Muqtasid, VII(1), 119-140.

Fahmi, I. (2015). Manajemen Perbankan Konvensional & Syariah. Jakarta: Mitra Wacana Media.

Ghozali, I. (2011). Aplikasi Analisis Multivariate dengan Program IBM SPSS 19. Semarang: Badan Penerbit Universitas Diponegoro.

Hakim, C. M. (1999). Problem Pengembangan Produk dalam Bank Syariah. Bulletin of Monetery Economics and Banking, II(3), 9-21.

Hardianti, D. (2018). Analisis Perbandingan Kinerja Keuangan Bank Umum Konvensional dan Bank Umum Syariah Berdasarkan Rasio Keuangan Bank. Skripsi. Universitas Brawijaya.

Hastuti, L. T. (2019). Analisis Perbandingan Kinerja Keuangan Pada Bank Syariah dan Bank Konvensional Di Indonesia. Skripsi. Universitas Islam Indonesia.

Indonesia, B. (2011, 1 5). Peraturan Bank Indonesia Nomor 13/1/PBI/2011 tentang Penilaian Tingkat Kesehatan Bank. Diambil dari Bank Indonesia: https://www.bi.go.id/publikasi/peraturan/Pages/pbi_130111.aspx

Ismail. (2013). Manajemen Perbankan: Dari Teori Menuju Aplikasi. Jakarta: Prenadamedia Group.

Juliandi, A., Irfan, & Manurung, S. (2014). Metode Penelitian Bisnis: Konsep dan Aplikasi. Medan: UMSU PRESS.

Keuangan, O. J. (2016, 1 27). POJK Nomor 4/POJK.03 tentang Penilaian Tingkat Kesehatan Bank Umum. Diambil dari Otoritas Jasa Keuangan: Retrieved from https://www.ojk.go.id/id/kanal/perbankan/regulasi/peraturan-ojk/Pages/pojk-tentang-penilaian-tingkat-kesehatan-bank-umum.aspx

Keuangan, O.J. (2021). Statistik Perbankan Indonesia. Diambil dari Otoritas Jasa Keuangan. Retrieved from https://www.ojk.go.id/id/kanal/perbankan/data-dan-statistik/statistik-perbankan-indonesia/Pages/Statistik-Perbankan-Indonesia---Desember-2020.aspx

Madyawati, U. R. (2018). Analisis Perbandingan Kinerja Bank Syariah dan Bank Konvensional Di Indonesia. Skripsi. Universitas Islam Indonesia.

Munandar, A. (2020). Pengaruh Kualitas Aktiva Produktif dan Net Performing Financing (NPF) Terhadap Net Operating Margin (NOM) Bank Umum Syariah dan Unit Usaha Syariah Periode Juni 2014 - Maret 2020. Ekonomica Sharia, VI(1), 1-12.

Purwanto, D. (2010, 4 27). Asbisindo: Bank Syariah Belum 100% Syariah. Diambil dari Okezone: Retrieved from https://ekonomy.okezone.com/read/2010/04/27/320/326991/asbisindo-bank-syariah-belum-100-syariah

Purwanto, I. (2017). Analisis Perbandingan Tingkat Kesehatan Bank Umum Syariah dan Bank Umum Konvensional Di Indonesia Menurut Metode Risk Based Bank Rating. Skripsi. Universitas Brawijaya.

Rahayu, E. (2019). Perbandingan Kinerja Keuangan Bank Umum Syariah dan Bank Konvensional Menggunakan Metode RGEC serta Pengaruhnya Terhadap Profitabilitas. Skripsi. UIN Sunan Kalijaga Yogyakarta.

Tabachnick, B. G., & Fidell, L. S. (2012). Using Multivariate Statistics. California: Pearson.

Wahyuni, M., & Efriza, R. E. (2017). Analisis Perbandingan Kinerja Keuangan Bank Syariah Dengan Bank Konvensional Di Indonesia. International Journal of Social Science and Business, I(2), 66-74.

Author Biographies

Lalu Hamdani Husnan, University of Mataram

Siti Aisyah Hidayati, University of Mataram

License

Copyright (c) 2023 Putri Awaliana Ramdan, Lalu Hamdani Husnan, Siti Aisyah Hidayati

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Authors who publish with ALEXANDRIA (Journal of Economics, Business, Tourism, and Entrepreneurship), agree to the following terms:

  1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution 4.0 International License. This license allows authors to use all articles, data sets, graphics and appendices in data mining applications, search engines, web sites, blogs, and other platforms by providing an appropriate reference. The journal allows the author(s) to hold the copyright without restrictions and will retain publishing rights without restrictions.
  2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in ALEXANDRIA (Journal of Economics, Tourism, Hospitality, and Entrepreneurship).
  3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).