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All Journal JIB : Journal Islamic Banking
Nikmah, Jumiatun
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Economics, Econometrics & Finance

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Analisis Perbedaan Prinsip Produk Penghimpunan Dana (Funding) Perbankan Syariah dan Perbankan Konvensional Khoiriyah, Ni'matul; Nikmah, Jumiatun; Istiqomah, Nur Hidayatul
Jurnal Perbankan Syariah Vol 3 No 1 (2023): JUNI
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/jib.v3i1.442

Abstract

Abstract: The bank is an official state institution in the financial sector that has the task of withdrawing and disbursing public money. Banks are one type of trusted institution among the surrounding community. Banks that have a non-trivial task make the bank also registered in the law for its security. There are many banks in Indonesia, one of which is BSI. BSI is the only bank that applies sharia principles based on the Koran and hadith. The existence of these principles makes Islamic banks not carelessly choose transactions or cooperation with other parties or customers. Uniquely, Islamic banks also use a profit sharing system as their ratio. Whereas conventional banks use the deposit interest system as their ratio. That is why researchers are interested in conducting research on the difference between the principles of Islamic banks and conventional banks in fundraising products (funding). There are three types of fundraising products in both Islamic and conventional banks, namely checking accounts, savings accounts and time deposit accounts. The difference is that Islamic banks use wadi'ah contracts and mudharabah contracts. This study aims to introduce to all people that Islamic banks have their own uniqueness and characteristics. Therefore, it is necessary to explain the contracts involved in Islamic banking. In this study, researchers used qualitative techniques. There are two data sources: Primary and secondary data sources . The researchers conducted direct interviews with informants based on primary data. Abstrak: Bank merupakan Lembaga resmi negara di bidang keuangan yang mempunyai tugas menarik dan mengeluarkan uang masyarakat. Bank menjadi salah satu jenis Lembaga terpercaya dikalangan masyarakat sekitar. Bank yang memiliki tugas tidak sepele membuat bank juga tercatatat dalam undang-undang demi keamanannya. Ada banyak bank di Indonesia, salah satunya BSI. BSI satu-satunya bank yang menerapkan prinsip syariah berdasarkan Al-quran dan hadits. Adanya prinsip tersebut membuat bank syariah tidak sembarangan memilih transaksi atau kerja sama dengan pihak lain atau nasabah. Sistem yang menarik dalam bank syariah adalah penggunaan prinsip bagi hasil sebagai perbandingannya. Sedangkan bank konvensional menggunakan sistem bunga simpanan sebagai nisbahnya. Itu mengapa peneliti tertarik untuk melakukan penelitian tentang bedanya prinsip bank syariah dan bank konvensional pada produk penghimpunan dana (funding). Terdapat tiga jenis produk penghimpunan dana baik di bank syariah maupun bank konvensional, yaitu rekening giro, rekening tabungan dan rekening deposito. Penelitian ini bertujuan untuk mengenalkan pada seluruh masyarakat bahwa bank syariah memiliki keunikan dan ciri khas tersendiri. Dengan demikian diperlukannya penjelasan mengenai akad-akad yang tertuang dalam bank syariah. Sumber datanya promer dan sekunder. Para peneliti melakukan wawancara langsung dengan informan berdasarkan data primer.
Analisis Perbandingan Kinerja Keuangan Bank Konvensional (Bank BNI dan Bank BRI) dan Bank Syariah (Bank BCA Syariah dan Bank Bukopin Syariah) Inarotul A'yun; husniyah, Latifatul; Nikmah, Jumiatun
Jurnal Perbankan Syariah Vol 3 No 2 (2023): DESEMBER
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/jib.v3i2.636

Abstract

ABSTRAKAbstract: This research was conducted to determine the performance of Conventional Banks (Bank BNI and Bank BRI) and Sharia Banks (Bank BCA Syariah and Bank Bukopin Syariah) as measured using Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Return On Assets (ROA), Operational Costs to Operating Income (BOPO), and Loan To Deposit Ratio (LDR) for 2019-2021. The research method used is descriptive research with quantitative methods using secondary data as research material. The secondary data used are the annual reports of Conventional Banks (Bank BNI and Bank BRI) and Sharia Banks (Bank BCA Syariah and Bank Bukopin Syariah). The sampling method used is purposive sampling. The data analysis technique uses statistical techniques in the form of a two-average difference test (Independent sample T-Test). The research results show the financial ratios of NPL, ROA, and ROE. Meanwhile, there is no significant difference in the CAR, LDR, and BOPO ratios between the performance of conventional banks and Islamic banks. Meanwhile, the mean (average) value of the CAR and LDR ratios performs better for Islamic banks than conventional banks. Meanwhile, in terms of NPL, ROA, ROE, and BOPO ratios, conventional banks are better than Sharia banks. So overall it can be seen that conventional banks perform better than Sharia banks. Abstrak: Penelitian ini dilakukan untuk mengetahui kinerja Bank Konvensional (Bank BNI dan Bank BRI) dan Bank Syariah (Bank BCA Syariah dan Bank Bukopin Syariah) yang diukur menggunakan Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Return On Assets (ROA), Biaya Operasional Terhadap Pendapatan Operasional (BOPO), dan Loan To Deposit Ratio (LDR) tahun 2019-2021. Metode penelitian yang digunakan adalah penelitian deskriptif dengan metode kuantitatif dengan menggunakan data sekunder sebagai bahan penelitian. Data sekunder yang digunakan adalah laporan tahunan Bank Konvensional (Bank BNI dan Bank BRI) dan Bank Syariah (Bank BCA Syariah dan Bank Bukopin Syariah). Metode pengambilan sampel yang digunakan adalah purposive sampling. Teknik analisis data menggunakan teknik statistik yang berupa uji beda dua rata-rata (Independent sample T-Test). Hasil penelitian menunjukkan rasio keuangan NPL, ROA dan ROE. Sedangkan rasio CAR, LDR dan BOPO tidak terjadi perbedaan yang signifikan antara kinerja bank konvensional dan bank syariah. Sedangkan nilai mean (rata-rata) rasio CAR dan LDR kinerjanya lebih baik bank syariah daripada bank konvensional. Sedangkan ditinjau dari rasio NPL, ROA, ROE, dan BOPO, bank konvensional lebih baik daripada bank syariah. Jadi secara keseluruhan dapat dilihat bahwa bank konvensional kinerjanya lebih baik daripada bank syariah.
Co-Authors Husniyah, Latifatul Inarotul A’yun Khoiriyah, Ni'matul Nur Hidayatul Istiqomah