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Journal : FINANSIA : Jurnal Akuntansi dan Perbankan Syariah

LIQUIDITY AND CREDIT RISK: A COMPARATIVE STUDY OF ISLAMIC AND CONVENTIONAL BANKS IN INDONESIA Firdaus, Firdaus; Azlina, Nur; Fakhruddin, Imam; Riyaldi, Rino; Rosman, Romzie
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 7 No 1 (2024): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v7i1.8918

Abstract

Islamic banking is only a small choice for the majority of Indonesian Muslims numbering 229.62 million people or 87.2%. In contrast, the market share of Islamic banks is only 7.07%. Global banking conditions are rocked by the case of Silicon Valley Bank, which is one of the largest banks in the world, experiencing liquidity problems. This is inseparable from the fragility of the conventional banking system based on usury as an inherent obligation. This study analyzes the liquidity and credit risk comparison of Islamic and conventional banks in Indonesia. The sample in this study is 10 Islamic banks and the 10 largest conventional banks in terms of assets in the 2018-2022 period. Independent t-test is used to answer the problems in this study. Based on the results of independent t test show that there is no difference between the liquidity of Islamic and conventional banks. Likewise, NPF / NPL shows no difference between Islamic and conventional banks.
Co-Authors ', Desmiyawati ', Julita ', Supriyono Agustami, Try Agustia, Dwi Al Azhar A Alfiati Silfi Alvi Furwanti Alwie Alwindria, Yoga Amri, Taqiyuddin Andi Dahliaty Azahra, Mutiara Azwir Nasir Bahri, Fathul Damariswara, Rian Desmiyawati Desmiyawati Desmiyawati, Desmiyawati Devi Safitri Dian Pertiwi Dinanda Sulaeman Edi Erwan Eka Maulana, Gilang Emrinaldi Nur DP Endang Sri Mujiwati Evi Sribudiani Fathul Bahri Fawaida, Ulya Firdaus Firdaus Halida Sophia Hamzah, Hajrah Has, Fandri Riomanugusta Hasbi Al Hasymi Haugesti Diana Henni Noviasari Hua, Me Humairoh, Fitri Idrianto, Odi Ilma, Arini Ilma Imam Fakhruddin Indira, Nur Ira Amelia Iznillah, M. Luthfi James Hellyward Julita Julita Kamaliah Kamaliah, Kamaliah Listiawati, Irda Luthfi iznillah, Muhammad Maulana, Gilang Eka Mudrika Alamsyah Hasan Muhammad Ilyas Tarigan, Muhammad Ilyas Muhammad Luthfi Iznillah, Muhammad Luthfi Muhammad Mardhiansyah Muslim, Ego Nafis, Cholil Nainggolan, Misco Valensi Naza, Ahrun Nurhasanatang, Siti Nurul Ardiani Nurulita, Suci Putra, Arfend Adi Putra, Rizki Agus Putri, Siti Nurrahayu Rahmawati, Lusi Ramadhan, Gian Riovi Ramaiyanti, Sinta Ratnawati , Vince Rheny Afriana Hanif Rijal, Abdul Rini, Disti Marta Rino Riyaldi Riovi Ramadhan, Gian Rita Anugerah Rofika Rofika Rofika, Rofika Rosman, Romzie Safitri, Meilina saputri, sri mulya Sari, Embun Widya Siregar, Siti Saidah Siregar, Zhakia Nathasha Surohman, Irzan Susilatri Susilatri, Susilatri Susilawati, Susilawati Syafri Ahmad, Syafri Syahida, Aztyara Taufeni Taufik Titania Tjandrawati Nugroho Triwahyuni, Mustika Tsalitsa, Annuriana Yananta Sari, Debyta Yesi Mutia Basri Yulia, Fanny Yundari, Yundari Yunni, Yunni Zulfikar Hasan