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All Journal Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management Journal of Golden Generation Economic
Riska, Maulia
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Comparative Analysis of Financial Performance of Syariah and Conventional Banks: A Review from Statistics Khalida, Khairunnisa; Riska, Maulia; Ajianing, Nyak Angeli; Nurhasanah, Nurhasanah
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 2 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i2.416

Abstract

Banking is an institution that has a significant impact on the real sector. The current banking system consists of different profit-sharing and interest-based systems, known in Islamic and conventional banks. Banking performance is an indicator of a country's economic performance. The financial performance of a bank or company can also be interpreted as a series of analyses conducted by the company to review the bank's compliance.Statistics makes a significant contribution to financial performance analysis. A statistical approach allows financial data to be processed objectively and generate reliable conclusions. The objective of this research is to analyze and compare the financial performance of Islamic banks and conventional banks in Indonesia.using a statistical science approach with indicators of Return on Assets (ROA), Return on Equity (ROE), and Net Interest Margin/Net Operating Margin (NIM/NOM).From the results of the analysis it is shown thatThere are significant differences in key profitability indicators (ROA and ROE) between conventional and Islamic banks, as confirmed by statistical hypothesis testing. This may be due to differences in business models, risk management, and investment strategies between the two banking systems.
Comparative Analysis of Financial Performance of Syariah and Conventional Banks: A Review from Statistics Khalida, Khairunnisa; Riska, Maulia; Ajianing, Nyak Angeli; Nurhasanah, Nurhasanah
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 2 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i2.416

Abstract

Banking is an institution that has a significant impact on the real sector. The current banking system consists of different profit-sharing and interest-based systems, known in Islamic and conventional banks. Banking performance is an indicator of a country's economic performance. The financial performance of a bank or company can also be interpreted as a series of analyses conducted by the company to review the bank's compliance.Statistics makes a significant contribution to financial performance analysis. A statistical approach allows financial data to be processed objectively and generate reliable conclusions. The objective of this research is to analyze and compare the financial performance of Islamic banks and conventional banks in Indonesia.using a statistical science approach with indicators of Return on Assets (ROA), Return on Equity (ROE), and Net Interest Margin/Net Operating Margin (NIM/NOM).From the results of the analysis it is shown thatThere are significant differences in key profitability indicators (ROA and ROE) between conventional and Islamic banks, as confirmed by statistical hypothesis testing. This may be due to differences in business models, risk management, and investment strategies between the two banking systems.
Analisis Penyusunan Anggaran Komprehensif Pada Usaha Angkringan DD Syahfitri, Nayla Novita; Riska, Maulia; Andrerico, Vicky Febima; Vientiany, Dini
Journal of Golden Generation Economic Vol. 2 No. 1 (2026): April 2026 : Journal of Golden Generation Economic
Publisher : PT. Lembaga Penerbit Penelitian Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65244/jggeconomic.v2i1.322

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) di sektor kuliner, termasuk usaha angkringan, menghadapi tantangan dalam menerapkan perencanaan keuangan yang terstruktur. Literasi keuangan yang terbatas dan sistem pencatatan yang tidak terstandarisasi menyebabkan kesulitan dalam pengelolaan arus kas dan proyeksi keuangan. Studi ini bertujuan untuk menganalisis mekanisme penganggaran komprehensif di Angkringan DD, mengidentifikasi hambatan implementasi, dan merumuskan rekomendasi untuk meningkatkan sistem penganggaran. Penelitian ini menggunakan pendekatan kualitatif dengan metodologi studi kasus, mengumpulkan data melalui wawancara mendalam, observasi, dan dokumentasi. Hasil menunjukkan sistem anggaran komprehensif yang dirancang mencakup anggaran penjualan yang menargetkan Rp 6.366.000 dari 829 unit, anggaran produksi 861 unit, anggaran bahan baku Rp 3.002.468, beserta anggaran tenaga kerja dan biaya overhead. Proyeksi keuangan menunjukkan margin laba sebesar 19,3 persen dan ROI sebesar 24,7 persen, dengan titik impas tercapai pada 507 unit atau Rp 3,9 juta. Penelitian ini membuktikan bahwa penerapan penganggaran komprehensif dapat meningkatkan efisiensi manajemen keuangan di UMKM kuliner. Rekomendasi strategis mencakup penerapan sistem penganggaran terstruktur, melakukan analisis varians secara berkala, dan mengembangkan model adaptif untuk mengatasi ketidakpastian pasar.
Co-Authors Ajianing, Nyak Angeli Andrerico, Vicky Febima Khalida, Khairunnisa Nurhasanah Nurhasanah Syahfitri, Nayla Novita Vientiany, Dini