Analisis Perbandingan Tingkat Kesehatan Bank Syariah Dan Bank Konvensional Di Indonesia

Silvi Oktaviani Choirunnisa, Dikdik Harjadi, Munir Nur Komarudin

Abstract


ABSTRACT

This study aims to determine the differences in the level of health of Islamic banks and conventional banks in Indonesia using the RGEC method, namely Risk Profile consisting of Credit Risk and Liquidity Risk, Good Corporate Governance, Earnings (Profit), and Capital. The number of banks sampled in this study were 14 Islamic banks and 14 conventional banks. Sampling uses a purposive sampling technique with established criteria. The data analysis method in this research is descriptive analysis to determine the overall level of bank health and hypothesis testing with Independent Sample T-Test. The results of this study indicate that there are differences in the level of health of Islamic banks and conventional banks in terms of credit risk (NPF/NPL), liquidity risk (FDR/LDR), GCG, earnings (ROA), and capital (CAR).

Keywords: Bank Health Level, Credit Risk, Liquidity Risk, GCG, Earnings, Capital.


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Jurnal Ekonomi, Akuntansi dan Manajemen

Fakultas Ekonomi dan Bisnis, Universitas Kuningan

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E-mail: [email protected]

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