COMPARISON OF THE PERFORMANCE OF SHARIA BANKS AND CONVENTIONAL BANKS

Faradilla Felysha
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Abstract

This study aims to find out and analyze the significant differences between the performance of conventional banks and Islamic banks and to find out and analyze which banking performance is better between Islamic and conventional banking. This study uses a qualitative descriptive method using secondary data. From the results of the study there is a significant difference between conventional banking and Islamic banking such as the absence of interest in Islamic banking considering that interest is forbidden in Islamic law as usury. Furthermore, in terms of risk in conventional credit, the customer still has to pay the full loan and interest as previously agreed. Both when the business makes a profit or loss while sharia credit if the contract used is capital sharing,
伊斯兰银行与传统银行业绩的比较
本研究旨在发现和分析传统银行和伊斯兰银行绩效之间的显著差异,并找出和分析伊斯兰银行和传统银行之间哪个银行绩效更好。本研究采用二次资料定性描述方法。从研究结果来看,传统银行和伊斯兰银行之间存在显著差异,例如考虑到伊斯兰法律禁止利息作为高利贷,伊斯兰银行没有利息。此外,就传统信贷的风险而言,客户仍然需要按照之前的约定支付全额贷款和利息。当企业盈利或亏损时,如果使用的合同是资本分享,
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