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All Journal Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Ekono Insentif JIKA: Jurnal Ilmu Keuangan dan Perbankan FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Penentuan harga obligasi dan teori tingkat bunga Al-Muamalat : Jurnal Ekonomi Syariah Jurnal Akuntansi dan Audit Syariah (JAAIS) Ijtimā`iyya: Journal of Muslim Society Research el-Jizya: Jurnal Ekonomi Islam Journal of Islamic Economics and Business Hikmatuna
Yoyok Prasetyo
Universitas Islam Nusantara
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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RASIO PROFITABILITAS, MANAJEMEN RISIKO DAN MANAJEMEN MODAL KERJA PADA SEKTOR PERBANKAN SYARIAH DAN KONVENSIONAL Muhammad Abdurraafi; Nani Ernawati; Yoyok Prasetyo; Mochammad Rizaldy Insan Baihaqqy
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 14 No. 2 (2025): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v14i2.3149

Abstract

Introduction: This study examines profitability ratios, risk management, and working capital management in Islamic and conventional banking sectors. Using a comparative approach, the analysis focuses on financial performance indicators such as Return on Equity (ROE), Non-Performing Financing (NPF)/Non-Performing Loan (NPL), and Current Ratio to identify differences and similarities between the two banking models. The Mann-Whitney U Test is applied to assess whether there are significant differences in these financial ratios between Islamic and conventional banks.Methods: The findings indicate that profitability ratios, risk management strategies, and working capital management differ significantly between the two banking sectors. Islamic banks have a unique financial structure due to Sharia compliance, which influences risk and capital management, including maintaining a more controlled NPF level. Meanwhile, conventional banks rely on interest-based financial mechanisms, shaping their profitability and liquidity strategies differently, including NPL and Current Ratio management to ensure financial stability.Results: The results of this study contribute to a deeper understanding of the financial performance of Islamic and conventional banks. These insights can serve as a guide for policymakers, investors, and banking institutions in making more strategic decisions regarding operations, risk mitigation, and financial planning. Keyword: Profitability Ratio, Risk Management, Working Capital Management, Return on Equity (ROE), Non-Performing Financing (NPF/NPL), Current Ratio (CR
Co-Authors Ahmad Azam Sulaiman Ahmad M Ryad S Hakim Ahmad Ryad Ali Aminulloh Darwin Nahwan Deris Sugianto Diana Farid Dien Sukmarini Edi Kurniawan Indriani Putri Kamaludin Yusup, Deni Linna Ismawati Mochammad Rizaldy Insan Baihaqqy Mohamad Anton Athoillah Mohammad Bagus Teguh Perwira Muhammad Abdurraafi Muhammad Dzaki Naufal Nani Ernawati Nani Ernawati Neneng Fatimah Nurol Aen Sarah Putri Al Anshory Sigit Ganjar Firmansyah Sofyan Al-Hakim Sri Suharti Utami, Suci Aprilliani Yulianita Rahayu