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Analisis Perbandingan Kinerja Keuangan Antara Bank Umum Konvensional Dengan Bank Umum Syariah Yang Terdaftar Di Bursa Efek Indonesia


Oleh : Norachma Hayu Purnamaningsih

Info Katalog

Nomor Panggil :

Subyek : Banks And Banking - Performance

Penerbit : FEB - Usakti

Kota Terbit : Jakarta

Tahun Terbit : 2011

Pembimbing 1 : Wulan Sari

Pembimbing 2 :

Kata Kunci : financial performance, return on assets, return on equity, profit expense ratio, earnings per share,


File Repositori
No. Nama File Ukuran Status
1. 2012_TA_MJ_022070043_7.pdf 308.29 (KB)
2. 2012_TA_MJ_022070043_6.pdf 381.94 (KB)
3. 2012_TA_MJ_022070043_5.pdf 282.75 (KB)
4. 2012_TA_MJ_022070043_4.pdf 282.75 (KB)
5. 2012_TA_MJ_022070043_3.pdf 347.31 (KB)
6. 2012_TA_MJ_022070043_2.pdf 283.65 (KB)
7. 2012_TA_MJ_022070043_1.pdf 309.3 (KB)

P Penelitian ini bertujuan untuk mengetahui apakah terdapat perbedaan kinerja keuangan antara Bank Umum Konvensional dengan Bank Umum Syariah yang terdaftar di Bursa Efek Indonesia. Variabel yang digunakan untuk mengukur kinerja suatu bank dalam penelitian ini adalah profitability ratios (return on asset, return on equity, profit expense ratio, and earning per share), liqudity and solvency ratios (cash deposit ratio, loan deposit ratio, current assets ratio, equity multiplier), business development ratios (total assets growth), efficiensy and productivity ratios (asset utilization ratio, operating efficiency ratio). Metode analisis yang digunakan adalah Mann-Whitney Test. Sampel penelitian diambil selama enam tahun pada periode tahun 2005 hingga tahun 2010 dengan jumlah sampel sebanyak 19 bank, 17 Bank Umum Konvensional dan 2 Bank Umum Syariah. Berdasarkan hasil analisa, diperoleh hasil bahwa terdapat perbedaan kinerja keuangan antara Bank Umum Konvensional dengan Bank Umum Syariah pada variabel return on equity (ROE), profit expense ratio (PER), earning per share (EPS), loan to deposit ratio (LDR), equity multiplier (EM), dan total asset growth (TAG). Sedangkan untuk variabel return on asset (ROA), cash deposit ratio (CDR), current asset ratio (CA), asset utilization (AU), operating efficiency (OE) telah terbukti bahwa tidak terdapat perbedaan yang signifikan antara Bank Umum Konvensional dengan Bank Umum Syariah.

T This study aims to determine whether there are differences between the financial performance of Conventional Banks with Islamic Commercial Bank listed on the Indonesia Stock Exchange. Variables used to measure the performance of a bank's in this study are profitability ratios (return on assets, return on equity, profit expense ratio, and earnings per share), liqudity and solvency ratios (cash deposit ratio, loan deposit ratio, current assets ratio, equity multiplier), business development ratio (total assets growth), efficiensy and productivity ratios (asset utilization ratio, the operating efficiency ratio). The method of analysis used is Mann-Whitney Test. The samples taken during the six years in the period 2005 to 2010 with the number of samples as much as 19 banks, 17 banks for Conventional Commercial Bank and two banks for Sharia Commercial Banks. Based on the results of the analysis, obtained the result that there are differences between the financial performance of Conventional Banks with Sharia Commercial Bank at a variable return on equity (ROE), profit expense ratio (PER), earnings per share (EPS), loan to deposit ratio (LDR), equity multiplier (EM), and total assets growth (TAG). As for variable return on assets (ROA), cash deposit ratio (CDR), current asset ratio (CA), asset utilization (AU), the operating efficiency (OE) has been proven that there is no significant difference between Conventional Commercial Banks to Sharia Commercial Banks.

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