Analisis Perbandingan Kinerja Keuangan Bank Syariah Dan Bank Konvensional (Dengan Metode Risk Profile, Good Corporate Governance, Earnings, Capital)

Pangestu, Soni Setiawan (2023) Analisis Perbandingan Kinerja Keuangan Bank Syariah Dan Bank Konvensional (Dengan Metode Risk Profile, Good Corporate Governance, Earnings, Capital). Sarjana (S1) thesis, Universitas Islam "45" Bekasi.

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Abstract

Bank’s financial performance is one of the important components in the banking industry in the form of a description of the bank’s financial condition in a certain period, generally covering the collection and distribution of bank funds. The way to assess the financial performance of a bank is to analyze the components that affect the bank’s financial performance by referring to the financial ratio standardsnset by the central bank. This study aims to analyze the comparison of the financial performance of Islamic Banks and Conventional Banks in the Risk Profile, Good Corporate Governance, Earnings, and Capital (RGEC) variables for the 2021-2022 period which are represented by the Non Performing Financing (NPF) ratio, Financing to Deposit Ratio ( FDR), Good Corporate Governance (GCG), Return On Assets (ROA), Operating Expenses to Operating Income (BOPO), and Capital Adequacy Ratio (CAR). The results of this study show that of the 6 ratios analyzed, there are 5 ratios where there are significant differences between the financial performance of Islamic Banks and Conventional Banks during the 2021-2022 period, namely NPF with a significance of 0.000, FDR with a significance of 0.006, GCG with a significance of 0.000, ROA with a Significance of 0.001, BOPO with a Significance of 0.001. While the CAR ratio with a significance of 0.207, and the RGEC Composite Value with a significance of 0.241 there is no significant difference between the financial performance of Islamic Banks and Conventional Banks during the 2021-2022 period. The final analysis on the consolidated financial performance assessment of all RGEC variables shows that Islamic Banks have financial performance that is no better than Conventional Banks during the average period of 2021-2022. This is reinforced by the overall Composite Rating average score of 95% for Sharia Banks, while that of Conventional Banks as a whole is 96.7%. Keywords: Financial Performance, Islamic Banks, Conventional Banks, RGEC

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