Abstract
This research aims to know the level of health ratio of conventional banks and islamic banks in Indonesia that have Dual Banking System. The sample of this research is 25 conventional bank and 24 islamic bank. This type of research is quantitative research. This research was analyzed using RGEC approach. The variables that used in this research consisted of Risk Profile factor assessed with NPL ratio and LDR of Earning factors assessed by ROA and BOPO ratio, and Capital factor was assessed through CAR ratio. Hypothesis testing in this study using independent sample t-test. From the calculation of the health level of banks, conventional banks are healthier than islamic banks. While the results obtained by using independent test sample t-test in this study showed that the ratio of NPL and CAR there is no significant difference. While the ratio of LDR, ROA, and BOPO there are significant differences.Keywords : Risk Profil; Earning; Capital
Highlights
ABSTRAK Penelitian ini bertujuan untuk mengetahui tingkat perbandingan kesehatan bank konvensional dan bank syariah di Indonesia yang memiliki Dual Banking Sistem
While the results obtained by using independent test sample t-test in this study showed that the ratio of NPL and Capital Adequecy Ratio (CAR) there is no significant difference
Analisis Tingkat Kesehatan Bank Dengan Menggunakan Metode Risk-Based Bank Rating (RBBB) (Studi Pada Bank yang Terdaftar di Bursa Efek Indonesia IHSG Sub Sektor Perbankan Tahun 2012), Jurnal Administrasi Bisnis
Summary
Merupakan risiko akibat kegagalan debitur dan/atau pihak lain dalam memenuhi kewajiban kepada bank. Risiko kredit biasanya terdapat pada seluruh aktivitas bank yang kinerjanya bergantung pada pihak lawan (counterparty), penerbit (issuer), atau kinerja peminjam dana (borrower). Risiko kredit juga dapat diakibatkan oleh terkonsentrasinya penyediaan dana pada debitur, wilayah geografis, produk, jenis pembiayaan, atau lapangan usaha tertentu
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