PERBANDINGAN KINERJA KEUANGAN BPRS DAN BPR KONVENSIONAL DI SURABAYA

Abstract

This study aimed to compare the financial performance of The Conventional Rural Bank (BPR) and Islamic Rural Bank (BPRS) in Surabaya. The Sample is acquired using saturate method. The writer selects all Islamic Rural Bank (BPRS) and Conventional Rural Bank (BPR) in Surabaya with in the year of 2014 – 2016. Methods of data analysing using independent Samples T – Test and Mann Whitney Experiment. The results of this research shows that there i significant differences upon NPF or NPL ratio, FDR or LDR ratio, ROA, NIM or NOM, and CAR. Generally, on the aspec of Risk Profile, Earning, and Capital point of view, financial performances of the Conventional Rural Bank (BPR) showed that financial performances isbetter than the Islamic Rural Bank (BPRS).