ANALISIS STUDI KOMPARATIF BANK UMUM KONVENSIONAL DAN BANK UMUM SYARIAH DI INDONESIA TAHUN 2009 – 2017

Authors

  • Dian Tanziyl Fathilma Universitas Pertahanan Indonesia
  • Yudi Sutrasna Universitas Pertahanan Indonesia
  • Zainal Abidin Sehabudin Universitas Pertahanan Indonesia

Abstract

Krisis keuangan dan krisis ekonomi skala nasional ataupun global merupakan merupakan ancaman nirmiliter bagi kedaulatan sebuah negara, seperti Indonesia yang terkena dampak dari krisis 2008. Indonesia merupakan negara yang menganut dual banking system bernama bank Umum Syariah dan Bank Umum Konvensional .Penelitian ini dilakukan untuk membandingkan kinerja keuangan antara bank umum syariah dengan bank umum konvensional periode 2009 - 2017. Variabel yang digunakan dalam penelitian ini adalah Likuiditas, Profitabilitas, dan Solvabilitas. Alat uji dalam penelitian ini adalah analisa 2 variabel independen Mann Whitneyy test menggunakan program analisis SPSS versi 23.0. Data berjumlah 90 laporan tahunan dengan sampel dari 10 perusahaan jasa keuangan sektor bank yang terdiri dari 5 bank umum konvensional (BUK), dan 5 bank umum syariah (BUS) periode 2009 – 2017, yang terdaftar di Otoritas Jasa Keuangan. Hasil penelitian menunjukkan bahwa Bank Syariah lebih likuid, Bank Konvensional dapat mengahasilkan laba lebih baik dari pengelolaan asset dan ekuitas, Bank Syariah lebih tinggi peroleh laba bersih manajemen dari hasil operasi, Bank Konvensional memiliki resiko gagal bayar yang tinggi, sedangkan BUS lebih mampu dalam kelola modal yang dimiliki untuk peroleh aktiva.

Kata Kunci: dual banking system, likuiditas, profitabilitas, solvabilitas, bank umum   konvensional, bank umum syariah 

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Published

2020-06-18

Issue

Vol. 5 No. 2 (2019): Ekonomi Pertahanan: Jurnal Kajian Akademisi dan Literasi Ilmu Ekonomi Pertahanan

Section

Articles

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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)