ANALISIS PERBEDAAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL MENGGUNAKAN RASIO CAMEL

Maya Novianti
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Abstract

The purpose of this research is to analyze and to know the difference of financial performance between conventional bank and sharia bank period 2012-2016 using financial ratio proxy (CAMEL). The data used in this research is secondary data obtained from financial reports of Conventional Bank and Sharia Bank. The sample size is 29 Banks, consisting of 20 conventional banks and 9 Syariah banks. Data analysis method used is one way ANOVA difference test.The result of the research shows that there is a significant difference between conventional bank financial performance and financial performance of sharia bank seen from Capital Adequacy Ratio (CAR), Net Profit Margin (NPM) and Loan to Deposit Ratio (LDR). While, the ratio of Return On Risk Asset (RORA) and Return On Asset (ROA) financial performance of conventional Bank and Bank of Sharia could not significant difference.
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伊斯兰银行和传统银行使用骆驼比例进行比较
本研究的目的是利用财务比率代理(CAMEL)分析和了解2012-2016年期间传统银行和伊斯兰银行财务绩效的差异。本研究使用的数据是从常规银行和伊斯兰银行的财务报告中获得的二手数据。样本量为29家银行,包括20家传统银行和9家伊斯兰银行。数据分析方法采用单因素方差分析差异检验。研究结果表明,从资本充足率(CAR)、净利润率(NPM)和存贷比(LDR)来看,传统银行的财务绩效与伊斯兰银行的财务绩效存在显著差异。而传统银行和伊斯兰银行的风险资产收益率(ROA)和资产收益率(ROA)财务绩效没有显著差异。
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Teknologi Informasi, Partisipasi Manajemen, Dan Kemampuan Pemakai Sistem Informasi Akuntansi Terhadap Kinerja Karyawan Bagian Akunatansi Pengaruh Kinerja Lingkungan Dan Biaya Lingkungan Terhadap Kinerja Keuangan AKUNTABILITAS PENGELOLAAN WAKAF PADA BAITUL MAAL HIDAYATULLAH PROVINSI BENGKULU DETERMINAN FRAUD PREVENTION DALAM PENGELOLAAN DANA DESA PENGARUH METODE RGEC TERHADAP NILAI PERUSAHAAN PADA BANK KONVENSIONAL YANG TERDAFTAR DI BEI
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