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All Journal Al-Kharaj: Journal of Islamic Economic and Business Referensi Islamika: Jurnal Studi Islam
Muljibir Rahman
Institut Agama Islam Negeri Kendari
Religion Humanities Economics, Econometrics & Finance

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Resiko Pembiayaan Perbankan Syariah: Analisis Faktor Internal dan Eksternal Muljibir Rahman; Mahfudz Mahfudz; Reski Eka Puspita Jufri
Al-Kharaj: Journal of Islamic Economic and Business Vol 3, No 1 (2021)
Publisher : IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v3i1.3765

Abstract

Penelitian ini bertujuan untuk mengetahui faktor-faktor internal dan ekternal  yang mempengaruhi Resiko Kredit (NPF) Perbankan Syariah di Indonesia. Objek Penelitian ini adalah Perbankan Syariah di Indonesia. Data yang digunakan adalah data sekunder yang diambil dari Laporan Statistik Perbankan Syariah Otoritas Jasa Keuangan (OJK). Penelitian ini menggunakan pendekatan Kuantitatif deskriptif. Variabel Faktor Internal dalam penelitian ini adalah Tingkat Kecukupan Modal (CAR), Efisiensi Manajemen (ROA) dan Pembiayaan Ekspansif (FDR). Variabel Faktor Eksternal adalah Inflasi (INF), Nilai Tukar Rupiah (KURS) dan Kinerja Industri (GDP).Hasil ini penelitian ini menunjukan bahwa Nilai tukar mata uang (KURS) memiliki hubungan positif signifikan terhadap resiko kredit (NPF), sedangkan variable Tingkat Kecukupan Modal (CAR) dan Pembiyaan Ekspansif (FDR) memiliki hubungan negative signifikan. Kemudian variable Inflasi (INF), Kinerja Industri (GDP) dan Efisiensi Manajemen (ROA) tidak berpengaruh signifikan terhadap Resiko Kredit (NPF). Perbankan Syariah di Indonesia harus lebih concern terhadap varibael ekternal terutama kenaikan nilai tukar rupiah sehingga dapat mengmbil kebijakan dalam menyalurkan pembiyaan.
COMPARATIVE ANALYSIS OF FINANCIAL PERFORMANCE BETWEEN ISLAMIC COMMERCIAL BANKS AND CONVENTIONAL BANKS LISTED ON THE INDONESIA STOCK EXCHANGE (IDX) FOR THE PERIOD 2017-2021 Nurjannah; Abdul Wahid Mongkito; Putri Wulansari; Muljibir Rahman
Referensi Islamika: Jurnal Studi Islam Vol. 3 No. 2 (2025): DECEMBER
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v3i2.557

Abstract

This study aims to analyze the differences and compare the average financial performance between Islamic Commercial Banks and Conventional Banks using six financial ratios: Capital Adequacy Ratio (CAR) as a proxy for capital, Non-Performing Loan (NPL) for asset quality, Return on Assets (ROA) for profitability, Return on Equity (ROE) for profitability from equity, Operational Efficiency Ratio (BOPO), and Loan to Deposit Ratio (LDR) for liquidity. This research employs a quantitative descriptive approach using secondary data derived from financial statements of banks listed on the Indonesia Stock Exchange. The analysis technique applied is the Independent Sample T-test to examine the differences in the average financial performance between Islamic and conventional banks. The results indicate that there are significant differences in the average financial performance between Islamic and conventional banks in terms of CAR, NPL, and BOPO. However, no significant differences are found in ROA, ROE, and LDR. Based on mean values, Islamic banks demonstrate better performance in CAR and ROA, while conventional banks outperform in NPL, ROE, BOPO, and LDR. Overall, conventional banks show superior financial performance compared to Islamic banks, which is attributed to their longer operational experience and more established market presence. This study contributes to the comparative financial performance literature by providing empirical evidence on the relative strengths and weaknesses of Islamic and conventional banking systems in Indonesia using multiple financial indicators. It offers valuable insights for policymakers, practitioners, and academics in evaluating the competitiveness and development of the Islamic banking sector.
Co-Authors Abdul Wahid Mongkito Mahfudz Mahfudz Nurjannah Putri Wulansari Reski Eka Puspita Jufri