Perbandingan kinerja keuangan bank Konvensional dan bank syariah Tahun 2010-2016

Abstract

The role of the banking sector in Indonesia is very important and greatly affect the economy in Indonesia. The Bank is a financial institution that has an influence and an important task in the economy of a country as a financial intermediary. The purpose of this study was to compare the financial performance of conventional banking and Islamic banking 2010-2016 period. This type of research uses descriptive research with secondary data obtained from the bank's website is being investigated. The sampling technique used in this study is a nonprobability sampling with method purposive sampling is sampling technique of population based on a certain criteria. The population used in this study and Bank Syariah Conventional Banks. The parameters used to compare the financial performance of banks is to use financial ratios which includes capital adequacy ratio (CAR), return on assets (ROA), loan to deposit ratio (LDR). The results showed that CAR is better than the conventional banking Islamic banking CAR, ROA conventional banking is better than the Islamic banking ROA, LDR conventional banks is better than FDR Islamic banking. Overall test showed a significant difference between conventional banking and Islamic banking with the results of conventional banking performance is better than Islamic banking. Keywords: Conventional Bank, Islamic Bank, CAR, ROA, LDR/FDR