Abstract
The purpose of this study was to determine the Bank’s fnancial performance for the Islamic and Conventional Banks each fnancial ratio over a period of 5 years for the years 2010 to 2014. Financial ratios used in this study consisted of CAR, NPL, NIM, ROE, BOPO. As for the purpose of this study was to examine differences in fnancial ratios of PT Bank Mandiri Tbk and PT Bank Syariah Mandiri Tbk period 2010-2014. This study uses a quantitative approach to the type of comparative research. The data used in this research is time series data. Based on the criteria determined sample, the obtained two research groups are represented by the Islamic Bank PT Bank Syariah Mandiri Tbk and Bank Conventional represented by PT Bank Mandiri Tbk. The analytical tool used to prove the hypothesis in this study was independent sample t-test. The results of the study with the tools SPSS version 16.0 concluded that the average (mean) ratio of NIM and ROE PT Bank Syariah Mandiri Tbk better performance than PT Bank Mandiri Tbk, while the average yield (mean) CAR, NPL and BOPO PT Bank Mandiri Tbk showed better performance than PT Bank Syariah Mandiri Tbk. While the views of the results of hypothesis testing with different test (independent sample t-test) showed a signifcant difference in the CAR, NPL, ROE and BOPO. As for the ratio of NIM is not a signifcant difference. Keyword: CAR, NPL, NIM, ROE, BOPO
Highlights
The purpose of this study was to determine the Bank’s financial performance for the Islamic and Conventional Banks each financial ratio over a period of 5 years for the years 2010 to 2014
Financial ratios used in this study consisted of
This study uses a quantitative approach to the type of comparative research
Summary
Abstrak Tujuan dari penelitian ini adalah untuk mengetahui kinerja keuangan Bank Syariah dan Bank Konvesional untuk masing-masing rasio keuangannya selama periode 5 tahun yaitu pada tahun 2010 hingga 2014. Adapun yang menjadi tujuan penelitian ini adalah untuk menguji perbedaan rasio keuangan PT Bank Mandiri Tbk dengan PT Bank Syariah Mandiri Tbk periode tahun 2010-2014. Berdasarkan dari kriteria sampel yang ditentukan, maka diperoleh dua kelompok penelitian yaitu Bank Syariah diwakili oleh PT Bank Syariah Mandiri Tbk dan Bank Konvesional diwakili oleh PT Bank Mandiri Tbk. Alat analisis yang digunakan untuk membuktikan hipotesis pada penelitian ini adalah independent sample t-test. Hasil penelitian dengan alat bantu spss versi 16.0 menyimpulkan bahwa hasil rata-rata (mean) rasio NIM dan ROE PT Bank Syariah Mandiri Tbk lebih baik kinerjanya dibandingkan PT Bank mandiri Tbk, sedangkan untuk hasil rata-rata (mean) rasio CAR, NPL dan BOPO PT Bank Mandiri Tbk menunjukkan lebih baik kinerjanya daripada PT Bank Syariah Mandiri Tbk. Sedangkan dilihat dari hasil pengujian hipotesis dengan uji beda (independent sample t-test) menujukkan adanya perbedaan yang signifikan pada rasio CAR, NPL, ROE dan BOPO.
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