COMPARATIVE ANALYSIS OF FINANCIAL PERFORMANCE OF CONVENTIONAL BANKS AND INDONESIAN SYARIAH BANKS REGISTERED WITH THE FINANCIAL SERVICES AUTHORITY (OJK) FOR THE PERIOD 2019-2022
Keywords:
comparative analysis of financial performance of conventional banks and sharia banks, financial performanceAbstract
The aim of this research is to find out the comparison of financial performance produced by Conventional Banks and Sharia Banks based on financial ratios during the 2019- 2022 period. To get answers to research questions, researchers used a research design known as Hypothesis Testing. The data source used in this research is secondary data. Based on the results of the analysis and discussion regarding the financial performance of Sharia Banks and Conventional Banks in the 2019-2022 period, the following conclusions can be drawn: The financial performance of Sharia Banks and Conventional Banks seen from the Risk Profile in credit risk for the 2019-2022 period has differences. which is significant. Conventional Banks have better credit risk than Sharia Banks. Meanwhile, there are also significant differences in liquidity risk. Conventional Banks 2. There is no significant difference in the financial performance of Sharia Banks and Conventional Banks from Good Corporate Governance (GCG) for the 2019-2022 period. However, judging from the GCG value, Conventional Banks have better GCG values than Syariah Banks. Onal Banks have better liquidity risk than Sharia Banks. The financial performance of Sharia Banks and Conventional Banks seen from Earnings in the ROA ratio for the 2019-2022 period has a significant difference. Conventional Banks have better ROA values than Sharia Banks, 4. The financial performance of Sharia Banks and Conventional Banks seen from Capital in the CAR ratio for the 2019-2022 period there is no significant difference. However, judging from the CAR value, Sharia Banks have a better CAR value than Conventional Banks.
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