ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK UMUM SYARIAH DAN BANK UMUM KONVENSIONAL MENGGUNAKAN METODE RISK BASED BANK RATING (RBBR)

YESI SEPTIA PUTRI, NIM.17108030051 (2021) ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK UMUM SYARIAH DAN BANK UMUM KONVENSIONAL MENGGUNAKAN METODE RISK BASED BANK RATING (RBBR). Skripsi thesis, FAKULTAS EKONOMI DAN BISNIS.

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Abstract

This reaserch aims to assess the level of soundness and analyze differences in the financial performance of Islamic Commercial Banks and Conventional Commercial Banks in Indonesia. The research was conducted based on an analysis of the financial performance and governance of Islamic Commercial Banks and Conventional Commercial Banks for the 2015 - 2020 period. This research was conducted with a quantitative descriptive approach. Sampling in this study using the saturated sample method. The study use samples of two banks as objects, PT BRI Syariah and PT BRI (Persero), Tbk. The researcher conducted a descriptive analysis by measuring the soundness of the two banks and comparing the financial performance with the Risk Based Bank Rating method. The variables used in this study are NPL/NPF, LDR/FDR, LAR, GCG, ROA and CAR. The Independent Sample t-Test and Mann Whitney test were used as the data analysis technique). The results of the study based on descriptive tests showed that BRI was ranked first where the variables NPL, LDR, LAR, GCG, ROA and CAR overall had a very healthy composite and BRI Syariah was ranked second with NPF, FDR, LAR, GCG, ROA and CAR. overall get a healthy composite. The results of the study using the Independent Sample t-Test and Mann Whitney test showed that there were significant differences in the financial performance of BRI Syariah and BRI, namely the NPL/NPF, LDR/FDR, and ROA. While in LAR, GCG and CAR there are no significant differences in the financial performance of BRI Syariah and BRI for the period 2015 - 2020. BRI's financial performance is better than BRI Syariah. BRI has more capabilities in overcoming credit problems, generating optimal profits and being able to manage business capital. Meanwhile, BRI Syariah has more capabilities in overcoming liquidity problems and has better bank governance compared to BRI in the 2015-2020 period.

Item Type: Thesis (Skripsi)
Additional Information: MUHFIATUN, S.E.I., M.E.I.
Uncontrolled Keywords: Bank Helath and Financial Performance Rating, Risk Based Banki Rating, BRI Syariah, Bank Rakyat Indonesia
Subjects: Manajemen Keuangan Syariah
Divisions: Fakultas Ekonomi dan Bisnis Islam > Manajemen Keuangan Syariah (S1)
Depositing User: Drs. Mochammad Tantowi, M.Si.
Date Deposited: 29 Aug 2021 16:00
Last Modified: 29 Aug 2021 16:00
URI: http://digilib.uin-suka.ac.id/id/eprint/43560

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