ANALISIS PERBANDINGAN RASIO KEUANGAN ANTARA BANK KONVENSIONAL DAN BANK SYARIAH (STUDi KASUS PT BANK PANIN TBK DAN PT BANK PANIN DUBAI SYARIAH TBK PERIODE 2014-2016)

Ar-Ribh : Jurnal Ekonomi Islam Pub Date : 2020-12-01 DOI:10.26618/jei.v2i1.2566

Rosmini Rosmini, A. Suarni

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Abstract

This study determines the differences in financial ratios between conventional banks and Islamic banks. The research method used is descriptive quantitative research and comparative methods. Secondary data is data obtained from companies in the form of data and documents at PT. Bank Panin Tbk and PT. Bank Panin Dubay Syariah Tbk. The samples used in this study were PT Bank Panin Tbk and PT bank Panin Dubai Syariah Tbk in 2014-2016. Based on the results of the analysis in this study, it is seen from the ratio of CAR, ROA, ROE, there are differences in financial ratios between conventional banks and Islamic banks. Judging from the percentage of financial ratios, conventional banks are better than Islamic banks. Islamic banks need to increase their ROA and ROE values because they are still below the standard set by Bank Indonesia, namely being careful in expanding their business. It is expected that every business expansion will generate profits and do not allow assets to grow without generating profits for the company.Keywords: Islamic Banking, Islamic Conventional, Bank Panin Syariah

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分析传统银行与伊斯兰银行的财务比率(PT BANK PANIN TBK与PT PANIN迪拜的案例研究，TBK期为2014-2016)

本研究确定了传统银行和伊斯兰银行之间财务比率的差异。研究方法采用描述性定量研究和比较法。二手数据是以PT. Bank Panin Tbk和PT. Bank Panin dubai Syariah Tbk的数据和文件形式从公司获得的数据。本研究使用的样本为2014-2016年PT Bank Panin Tbk和PT Bank Panin Dubai Syariah Tbk。根据本研究的分析结果，从CAR、ROA、ROE的比率可以看出，传统银行与伊斯兰银行的财务比率存在差异。从财务比率的百分比来看，传统银行优于伊斯兰银行。伊斯兰银行需要提高他们的ROA和ROE值，因为他们仍然低于印尼银行设定的标准，即在扩大业务时要小心。期望每一次业务扩张都能带来利润，不允许资产增长而不为公司带来利润。关键词:伊斯兰银行，伊斯兰传统，伊斯兰银行

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Ar-Ribh : Jurnal Ekonomi Islam

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