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All Journal Ekalaya: Jurnal Pengabdian Kepada Masyarakat Indonesia Journal of Business, Social, Management, and Technology
Muhammad Ridwan
Universitas Potensi Utama
Humanities Astronomy Computer Science & IT Economics, Econometrics & Finance Education Health Professions Social Sciences Other

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PERBANDINGAN KINEJA KEUANGAN ANTARA BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA Muhammad Ridwan
Journal of Business, Social, Management, and Technology Vol. 1 No. 2 (2025): October 2025
Publisher : CV. Dhanesa Nusantara Research Publishing

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Abstract

Penelitian ini bertujuan untuk membandingkan kinerja keuangan antara bank syariah dan bank konvensional di Indonesia selama periode 2019–2024. Analisis dilakukan dengan menggunakan rasio keuangan utama yang mencakup profitabilitas (Return on Assets/ROA dan Return on Equity/ROE), efisiensi operasional (BOPO), kualitas aset (Non Performing Financing/Non Performing Loan), permodalan (Capital Adequacy Ratio/CAR), dan likuiditas (Financing to Deposit Ratio/LDR). Pendekatan kuantitatif digunakan dalam penelitian ini dengan metode deskriptif komparatif, menggunakan data sekunder yang diperoleh dari laporan keuangan tahunan Bank Syariah Indonesia (BSI), Bank Mandiri, BCA, dan BNI yang telah diaudit. Hasil penelitian menunjukkan bahwa terdapat perbedaan signifikan pada rasio profitabilitas dan permodalan antara kedua jenis bank, di mana bank konvensional memiliki profitabilitas lebih tinggi, sedangkan bank syariah menunjukkan tingkat permodalan yang lebih kuat. Sementara itu, tidak ditemukan perbedaan signifikan pada rasio efisiensi, kualitas aset, dan likuiditas. Secara keseluruhan, temuan ini menunjukkan adanya konvergensi kinerja antara sistem perbankan syariah dan konvensional di Indonesia yang mengarah pada peningkatan stabilitas dan efisiensi industri perbankan nasional.
Pelatihan Akad Pembiayaan Syariah sebagai Upaya Mengurangi Ketergantungan Masyarakat terhadap Praktik Rentenir Muhammad Abrar Kasmin Hutagalung; Ari Prabowo; Alim Murtani; Muhammad Ridwan; Siti Marisa Hafifah
Ekalaya: Jurnal Pengabdian Kepada Masyarakat Indonesia Vol. 5 No. 2 (2026): Ekalaya Journal
Publisher : Nindikayla Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57254/eka.v5i2.165

Abstract

Interest-based lending practices by moneylenders remain a significant challenge for communities and micro-enterprises in Dusun 9, Sei Rotan Village, Percut Sei Tuan District, Deli Serdang Regency. Limited Islamic financial literacy has resulted in a lack of understanding of Sharia-compliant financing alternatives. This community service program aimed to enhance public understanding of Islamic financing contracts and encourage the utilization of Islamic financial institutions as alternative funding sources. The program employed socialization sessions, training workshops, interactive discussions, and evaluations through pre-tests and post-tests. Participants included micro and small business owners, community leaders, and local residents. The results indicated a substantial improvement in participants’ understanding of riba, murabahah, mudharabah, musyarakah, and qardh contracts. The average participant score increased from 58.4 before the training to 84.7 after the training. Furthermore, participants demonstrated a greater interest in utilizing Islamic financing services rather than interest-based loans. This program contributed to strengthening Islamic financial literacy and supporting community economic empowerment through the adoption of Sharia-compliant financing practices
Co-Authors Alim Murtani Ari Prabowo Muhammad Abrar Kasmin Hutagalung Siti Marisa Hafifah