Financial Performance of Conventional and Syariah Banks: An Empirical Studies in Indonesia

Abstract

This research aimed to determine the influence of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Return on Asset (ROA), Return On Equity (ROE), Loan on Deposit Ratio (LDR) between conventional and syariah banks in Indonesia. This study is quantitative research. The population in this study is Indonesian banking opened syariah unit those are 12 Syariah Bank (BUS). The sampling technique used was purposive sampling criteria; with result were 6 convensional and 6 syariah banks. Data analysis methods used in the study were multiple linier regression analysis, difference test paired sample T-Test and difference test Wilcoxon. The study showed Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Return On Asset (ROA), Return On Equity (ROE), Loan on Deposit Ratio (LDR) between conventional banks with syariah banks have significant contradiction.