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All Journal Jurnal EK dan BI Jurnal Manajemen dan Ekonomi Kreatif Jukerdi: Jurnal Kewirausahaan Cerdas Dan Digital
ANGELINA ROLAS OLIVIA NAIBAHO
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Journal : Jukerdi: Jurnal Kewirausahaan Cerdas Dan Digital

 1 
Analisis Perbandingan Kinerja Keuangan Perbankan Konvensional Dan Perbankan Syariah Angelina Rolas Olivia Naibaho; Daniel Sanggam Luhutan; Diva Alnaya; Muhammad Aldi Akbar; Hasyim Hasyim
Jurnal Kewirausahaan Cerdas dan Digital Vol. 1 No. 3 (2024): Juni : Jurnal Kewirausahaan Cerdas dan Digital (JUKERDI)
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jukerdi.v1i3.103

Abstract

The purpose of this study is to assess the comparative financial performance between conventional and Islamic banks in Indonesia by considering factors such as profitability, liquidity, operational efficiency, and credit risk. Using a qualitative approach and literature review method from various credible sources, the results show that conventional banks tend to use ROA, ROE, CIR, and NIM as the main profitability indicators; Islamic banks also use NPF and FDR. CAR and NIM affect Islamic banks' profitability positively against ROA, while BOPO affects conventional banks' ROA negatively. In terms of liquidity, Islamic banks have an advantage due to the yield principle applied. This is indicated by the current ratio, quick ratio, money ratio, and loan-to-deposit ratio, which show their ability to meet short-term obligations better compared to conventional banks. BOPO shows the operational efficiency of Islamic banks thanks to the principles of fairness and sustainability, while conventional banks excel in revenue management from assets and investor capital. The profit-sharing system in Islamic banks lowers credit risk compared to conventional banks. Although the operating principles of the two types of banking are different, this study found that each type of banking exhibits strengths and weaknesses in terms of profitability, liquidity, efficiency, and credit risk. It is hoped that these results will aid the growth of the Indonesian banking industry and help bank management and relevant stakeholders make informed decisions.
Co-Authors Daniel Sanggam Luhutan Diva Alnaya FEROZI RAMDANA IRSYAD FILJA AZKIAH SIREGAR Fitriani Lubis Gresia Septina Sitohang Hasyim Hasyim Joan Agus Sirait JONATAN MARBUN Muhammad Aldi Akbar Raymond Panuturi Siboro