ANALISIS KOMPARATIF TINGKAT KESEHATAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA MENGGUNAKAN PENDEKATAN RGEC PERIODE 2014-2017

Prihantari Wahyuningtyas, 1411011100 (2018) ANALISIS KOMPARATIF TINGKAT KESEHATAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA MENGGUNAKAN PENDEKATAN RGEC PERIODE 2014-2017. Fakultas Ekonomi dan Bisnis, Universitas Lampung.

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Abstrak

Penelitian ini bertujuan untuk menganalisis perbedaan tingkat kesehatan bank syariah dan bank konvensional dengan menggunakan metode RGEC: (Risk profile, Good Coorporate Governance, Earning, dan Capital). Penggunaan metode RGEC telah ditetapkan oleh BI (Bank Indonesia) digunakan sejak 2012 dan ditetapkan dalam PBI nomor 13/1/ PBI/2011. Penelitian ini mengobservasi 7 bank syariahdan 7 bank konvensional selama periode 4 tahun sehingga didapat 56 sample. Hasil penelitian menunjukkan bahwa berdasarkan faktor risk profile yang diukur dengan NPL dan LDR maka hasil perhitungan Non Performing Loan (NPL) adalah tidak terdapat perbedaan antara perbankan syariah dan perbankan konvensional di Indonesia, berdasarkan Loan to Deposit Ratio (LDR) menunjukan hasil yang sama yaitu tidak terdapat perbedaan antara perbankan syariah dan perbankan konvensional di Indonesia. Berdasarkan Good Coorporate Governance (GCG) terdapat perbedaan antara bank syariah dan bank konvensional di Indonesia. Berdasarkan Earning yang diukur dengan ROA dan NIM maka berdasarkan pengukuran Return On Asset (ROA) terdapat perbedaan antara bank syariah dengan bank konvensional sedangkan dilihat dari pengukuran Net Interest Margin (NIM) tidak terdapat perbedaan antara perbankan syariah dan perbankan konvensional di Indonesia. Berdasarkan faktor Capital yang diukur dengan Capital Adequancy Ratio (CAR) tidak terdapat perbedaan antara perbankan syariah dengan perbankan konvensional di Indonesia. Kata Kunci : Analisis komparatif, Bank Syariah, Bank Konvensional, metode RGEC, Risk profile, Good Coorporate Governance, Earning, Capital ABSTRACT This study aims to analyze the different of health level islamic banks and conventional banks using RGEC method : (Risk Profile, Good Coorporate Governance, Earning, and Capital). The use of the RGEC method has been established by BI (Bank Indonesia) effective since 2012 and stipulated in PBI no. 13/1/ PBI/2011. This study observed 7 islamic banks and 7 conventional banks over a period of 4 years to obtain 56 samples. The results showed that based on the risk profile factor measured by NPL and LDR, the result of Non Performing Loan (NPL) calculation is that there is no difference between islamic banking and conventional banking in Indonesia, based on Loan to Deposit Ratio (LDR) there is a difference between islamic banking and conventional banking in Indonesia. Based on Good Corporate Governance (GCG) there is a difference between islamic banking and conventional banking in Indonesia. Based on earning measured by ROA and NIM then based on measurement Return On Asset (ROA) there is difference between islamic banking with conventional banking while seen from measurement of Net Interest Margin (NIM) there is no difference between islamic banking and conventional banking in Indonesia. Based on Capital factor measured by Capital Adequancy Ratio (CAR), there is no difference between islamic banking and conventional banking in Indonesia. Keyword : Comparative Analysis, Islamic Banks, Conventional Banks, RGEC method, Risk Profile, Good Coorporate Governance, Earning, Capital

Tipe Karya Ilmiah: Skripsi
Subyek: H Ilmu Sosial = Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management
H Ilmu Sosial = Social Sciences > HG Finance
Program Studi: Fakultas Ekonomi dan Bisnis > Prodi Manajemen
Depositing User: 201817014 . Digilib
Date Deposited: 08 Aug 2018 07:01
Last Modified: 08 Aug 2018 07:01
URI: http://digilib.unila.ac.id/id/eprint/32722

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