STUDI KOMPARASI EFISIENSI, KUALITAS ASET DAN STABILITAS PADA BANK UMUM SYARIAH DAN BANK UMUM KONVENSIONAL DI INDONESIA PERIODE 2010-2014
Keywords:
Efisiensi, Kualitas aset, Stabilitas, Perbankan syariah, Perbankan konvensionalAbstract
Penelitian ini bertujuan untuk membandingkan efisiensi, kualitas aset, dan stabilitas perbankan antara perbankan Islam dan perbankan konvensional di Indonesia pada tahun 2010 - 2014. Penelitian ini menggunakan data sekunder berdasarkan Laporan Keuangan berasal dari Otoritas Jasa Keuangan (Otoritas Jasa Keuangan atau OJK). Populasi baking perusahaan di Indonesia, dan digunakan purposive sampling yang telah memilih 8 Perbankan Syariah dan 8 Perbankan Konvensional. Pengukuran variabel diikuti: (1) biaya overhead rasio biaya terhadap pendapatan dan cadangan kerugian yang proksi efisiensi; (2) penyisihan kerugian pinjaman, kredit bermasalah adalah proxy kualitas aset; dan (3) return on asset, rasio kecukupan modal dan Zscore adalah proxy stabilitas. Hasil penelitian menunjukkan bahwa ada perbedaan efisiensi dan kualitas aset antara perbankan Islam dan Perbankan Konvensional di mana perbankan konvensional lebih efisien dan memiliki kualitas aset yang lebih baik. Meskipun tidak ada perbedaan bagi stabilitas perbankan antara Bank Syariah dan Konvensional Banking tetapi perbankan syariah cenderung lebih stabil daripada perbankan konvensional.
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