COMPARATIVE ANALYSIS OF FINANCIAL PERFORMANCE BETWEEN SYARIAH BANKS AND CONVENTIONAL BANKS REGISTERED AT BANK INDONESIA
Keywords:
ROA, BOPO, NPF and NIMAbstract
This study aims to determine the comparison of the performance of conventional banks and Islamic banks. Performance is viewed based on financial ratios using quantitative approach descriptive research. The sample used ten banks, representing five conventional banks and five Islamic banks. Based on research on ROA (Return On Assets) ratio, conventional banks; It is higher, because it has a greater profit. The ratio of BOPO to Islamic banks is greater, because the two operational activities have different principles. And the NPF (Non Performing Financing) ratio in Islamic banks is greater because conventional banks have the ability and performance improvement and pay off debts. And for the NIM (Net Interest Margin) ratio based on the results of conventional bank research is higher, because conventional banks have greater interest while Islamic banks only apply a profit-sharing system.
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