ANALISIS PERBANDINGAN KINERJA KEUANGAN PERBANKAN KONVENSIONAL DAN PERBANKAN SYARIAH

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Maria Euphrasia Dandung
Paulina Yuritha Amtiran
Marselina Ratu

Abstract

The performance of conventional banking and sharia banking had a major role for the economy in
Indonesia when the global economic crisis was 2008. The crisis that occurred in the United States
affected the development of banking performance in Indonesia. The research aims to determine the
comparison of financial performance of Sharia banks and conventional banks before, during, and
after the global economic crisis of 2008. Samples in this study were 3 conventional banks and 3
sharia banks. Sampling technique is the purposive sampling method, which the criteria are based
on the banking financial report in the year of 2007-2009. The analytical methods in this study use
financial ratios and the indicators are Adequacy Ratio (CAR), Return On Assets (ROA), Loan to
Deposit Ratio (LDR), Operating Load/Operating Income (BOPO) and Non Performing Loan
(NPL). The results of this study showed that conventional banking performance was more effective
than sharia banking before, during and after the economic crisis of 2008.


Keywords: Financial Performance, Conventional Banking, Sharia Banking, Financial Ratios.

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