Performance Comparison Between Islamic Banks and Conventional Banks in Indonesia  

Oleh:

Rudianto, Dudi ; Rahmiati, Tetty Sari

Jenis: Article from Journal - ilmiah nasional - terakreditasi DIKTI
Dalam koleksi: Ekuitas: Jurnal Ekonomi dan Keuangan vol. 18 no. 01 (Mar. 2014), page 41 – 55.
Topik: Bank Umum Syariah; Bank Umum Konvensional; makro ekonomi; dan kinerja perbankan; Islamic Bank; Conventional Bank; Macroeconomic Indicators and Banking Performance
Fulltext: 20150130003_ros.pdf (205.54KB)

Isi artikel

This study aims to determine the effect of macroeconomic as measured by inflation, net exports and BI rate (SBI) on the performance banking and comparative analysis of banking performance as measured by the capital adequacy ratio (CAR), the loan to deposit ratio (LDR) and non performing loan (NPL) between Islamic banks with conventional banks. This study was performed using three samples at three Islamic Banks (IB) and Conventional Banks (CB) have assets equal to the value comparatable with using monthly data from 2005 to 2012. From research done shows that, simultaneously macroeconomic factors consisting of inflation, net exports and SBI has a significant impact on bank performance as measured by CAR both the IB and CB, with the amount of greater influence on the IB than in CB. But partially only SBI has a significant effect on the CAR of the two types of banking . Banking performance as measured by CAR, LDR, and NPL have significant differences with CB and IB, and overall IB performance more better compared CB.

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