Analisis Perbandingan Kinerja Keuangan Bank Konvensional Dan Bank Syariah Berdasarkan Rasio Keuangan Bank (Studi Pada Bank Konvensional Yang Terdaftar Di Bei Yang Memiliki Bank Syariah Periode 2012-2014)

Abstract

Research was aimed to understand the comparison of financial performance between conventional banks and syariah banks. The comparison was made based on the analysis against financial ratios at conventional banks listing in Indonesia Stock Exchange and also that of syariah banks on period 2012-2014. Type of research was descriptive with quantitative approach. Sampling method was purposive sampling. Data analysis technique included descriptive statistic analysis and independent sample t-test analysis. Result of research explained that financial performance from conventional banks was different if measured from financial ratios. Financial ratios that distinguished conventional banks from syariah banks were ROA, BOPO/REO, LDR,/FDR, NPL/NPF and ROE. Financial ratios between conventional banks and syariah banks that were considered similar were CAR and NIM/NOM