Perbandingan Kinerja Keuangan Perbankan Berbasis Syariah Dan Konvensional (2017-2020)

Abstract

This research aims to determine whether there is a comparison between the financial performance of conventional commercial banks and sharia commercial banks. To see this comparison, this research uses four ratios, where the capital ratio uses the CAR (Capital Adequacy Ratio) ratio, the liquidity ratio uses the LDR (Loan to Deposit Ratio) ratio, the profitability ratio uses the ROA (Return On Asset) ratio, and the turnover ratio activities using the TATO (Total Asset Turnover) ratio. The method used in this research is to use the Independent Sample T-test to compare the performance of conventional commercial banks with sharia commercial banks. The type of research used in this research is comparative research. The research results show that there is a comparison between the financial performance of conventional commercial banks and sharia commercial banks when viewed from the CAR, LDR and ROA ratios, while in terms of the TATO ratio there is no comparison between the performance of the two banks. If viewed from the mean (average) value of the CAR, LDR and ROA ratios, the financial performance of conventional commercial banks is better than sharia commercial banks. Meanwhile, if you look at the TATO ratio, you don't see a much different comparison. Overall, it can be seen that conventional commercial banks are superior to sharia commercial banks. This is because conventional commercial banks have been operating much longer than sharia commercial banks which are relatively new. So sharia commercial banks need to increase public trust so that the existence of sharia banks in the eyes of the public can be greatly increased.