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All Journal Jurnal Ilmu dan Teknologi Kelautan Tropis Jurnal Manajemen dan Agribisnis Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Devotion: Journal of Research and Community Service Geographica: Science and Education Journal ABDIMAS KAUNIAH Policy Brief Pertanian, Kelautan, dan Biosains Tropika Journal of Business and Information System
Alim Setiawan
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Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Library & Information Science Social Sciences

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Journal : Journal of Business and Information System

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Analisis Perbandingan Risiko Keuangan Bank Konvensional dengan Bank Syariah Nusron, Lulu Amalia; Setiawan, Alim
Journal of Business and Information Systems (e-ISSN: 2685-2543) Vol. 2 No. 1 (2020): Journal of Business and Information Systems
Publisher : Department of Accounting, Faculty of Business, Universitas PGRI Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36067/jbis.v2i1.33

Abstract

ABSTRACT This study aims to compare financial risks in conventional banks with Sharia banks in Indonesia in the 2014-2018 period. The research object consisted of 8 banks, namely 4 conventional banks (BNI, BRI, BCA, and Mandiri) and 4 Islamic banks (BNIS, BRIS, BCAS, and Mandiri Syariah). The data ratio or source used is secondary data obtained from the official website IDX, in the form of the bank's 2014-2018 annual financial statements. The ratios used include: NPL / NPF for credit risk, LDR / FDR for liquidity risk, BOPO for operational risk, and NIM / NOM for market risk. This research uses t-test and Mann Whitney test different analysis techniques. Based on the results of data processing using the SPSS version 23 program, it is concluded that: 1) there is no difference in credit risk and liukidity risk conventional banks and Islamic banks. 2) there are differences in terms of operational risk and market risk a conventional bank and a sharia bank Keyword: financial risk, conventional banks, and Islamic banks. ABSTRAK Penelitian ini memiliki tujuan untuk membandingkan tentang risiko keuangan pada bank konvensional dengan bank Syariah di Indonesia periode tahun 2014-2018. Objek penelitian terdiri dari 8 bank, yaitu 4 bank konvensional (BNI, BRI, BCA, dan Mandiri) dan 4 bank syariah (BNIS, BRIS, BCAS, dan Mandiri Syariah). Sumber data berupa data rasio atau sekunder yang didapat dari web IDX., yang berupa laporan keuangan tahunan bank periode 2014-2018. Adapun rasio yang digunakan antara lain: NPL/NPF untuk risiko kredit, LDR/FDR untuk risiko likuiditas, BOPO untuk risiko operasional, dan NIM/NOM untuk risiko pasar. Penelitian ini menggunakan teknik analisis uji beda t-tes dan Mann Whitney. Berdasarkan hasil olah data menggunakan program spss versi 23, diperoleh kesimpulan bahwa: 1) tidak terdapat perbedaan dalam hal risiko kredit dan risiko likuiditas bank konvensional dan bank syariah 2) terdapat perbedaan dalam hal risiko operasional dan risiko pasar bank konvensional dengan bank syariah. Kata kunci: risiko keuangan, bank konvensional, dan bank syariah.
Co-Authors Agus, Syamsul B. Andi Tamsil Ani Mardiastuti Arista, Galih Saputra Asep Mulyana Drajat Martianto Eko Ruddy Cahyadi Harumi Aini Hazairin Zubair, Hazairin Heti Mulyati Ihsan Ihsan Kurniawan, Helmi Faiz Lima, Felyona de Lulu Amalia Nusron Muhammad Ridwan Muhammad Syamsun Musthofa Musthofa Ode, Muhamad Fadli Padar, Sekar Alim Purnawati Hustina Rachman R. Dikky Indrawan Rakhmat, Asep Roland Alexander Barkey, Roland Alexander Stevia Septiani Susilo, Setyo B. Vincentius P Siregar Zakar, Alam