Comparative Analysis of The Soundness of Conventional Foreign Exchange Banks Andsharia Foreign Exchange Banks Using RBBR Method Period 2015-2019
Keywords:
Bank Soundness, Risk Based Bank Rating, Risk Profile, Good Corporate Governance, Earnings, CapitalAbstract
The purpose of this study is to analyze and test the differences of soundness level between conventional foreign exchange banks and sharia foreign exchange banks in Indonesia. The application of the assessment used RBBR method period 2015-2019. Research variables consist of Non Performing Loan, Loan to Deposit Ratio, Good Corporate Governance, Return on Assets, Operating Expenses on Operating Income, and Capital Adequacy Ratio. The data analysis methods used in this study were descriptive statistics, Independent-Sample T Test, and Mann–Whitney U test. The total sample in this study was 21 banks (16 conventional foreign exchange banks and 5 sharia foreign exchange banks) which were selected by using a purposive sampling technique. The results of this study indicate that there are significant differences in the NPL, LDR, ROA, BOPO.
References
Fahmi, I. (2018). Pengantar Manajemen Keuangan. Bandung: Alfabeta.
Hartati, N. (2017). Analisis Komparasi Kinerja Keuangan Bank Devisa dan Bank Non Devisa. Jurnal Pendidikan Ekonomi UM Metro, 34-49.
Ikatan Bankir Indonesia, Memahami Bisnis Bank. (2013). Jakarta: PT Gramedia Pustaka Utama.
Hery. (2018). Analisis Laporan Keuangan: Integrated and Comprehensive. Jakarta: PT. Gramedia.
Latumaerissa, J. R. (2014). Manajemen Bank Umum. Jakarta: Mitra Wacana Media.
Lubis. (2013). Pengaruh Tingkat Kesehatan Bank Terhadap Pertumbuhan Laba Pada BPR di Indonesia. Jurnal Ekonomi dan Keuangan, 27-37.
Mauliyana, V., & Sudjana, N. (2016). Analisis Perbandingan Tingkat Kesehatan Bank Berdasarkan Pendekatan Risk Profile, Earnings, Capital Terhadap Bank Milik Pemerintah Dan Bank Bank Milik Swasta Nasional Devisa. Jurnal Administrasi Bisnis (JAB), 38-47.
Muhammad. (2005). Bank Syariah Problem dan Prospek Pengembangan di Indonesia. Yogyakarta: Graha Ilmu.
Nugrohowati, R. N., & Bimo, S. (2019). Analisis Pengaruh Faktor Internal Bank dan Eksternal Terhadap Non-Performing Financing (NPF) pada Bank Perkreditan Rakyat Syariah di Indonesia. Jurnal Ekonomi dan Keuangan Islam, 42-49.
Peraturan Bank Indonesia No.13/1/2011 Tentang Penilaian Tingkat Kesehatan Bank Umum.
Prawitasari, D., Kadarningsih, A., & Karno, R. S. (2017). Comparison of Bank Wellness Level with RGEC Method Between State-Owned Bank and Private-Owned Bank. International Journal of Economic Research, 93- 103.
Pt Bursa Efek Indonesia . (2021, February 20). Retrieved from Pt Bursa Efek Indonesia : https://www.idx.co.id/
Rahmawati, A., & Yanti, E. R. (2019). Perbandingan Tingkat Kesehatan Bank Konvensional Dan Bank Syariah Dengan Metode Risk Profile, Good Corporate Governance, Earnings, Capital. Jurnal Administrasi Kantor, 200-214.
Riyadi, S. (2015). Banking Assets And Liability Management. [Skripsi]. Jakarta (ID): Universitas Indonesia.
Rizkiyah, K., & Suhadak. (2017). Analisis Perbandingan Kesehatan Bank Berdasarkan Risk Profile, Good Corporate Governance, Earnings dan Capital (Studi pada Bank Syariah di Indonesia, Malaysia, United Arab Emirates, dan Kuwait). Jurnal Administrasi Bisnis (JAB), 163-171.
Rose, P. S., & Hudgin, S. C. (2010). Bank Management and Financial Services International Edition. America: Mc Graw Hill.
Sujarweni, V. W. (2020). Analisis Laporan Keuangan: Teori, Aplikasi, & Hasil Penelitian. Yogyakarta: Pustaka Baru Press.
Sulistianingsih, H., & Maivalinda. (2018). Analisis Perbandingan Tingkat Kesehatan Bank Konvensional dan Bank Syariah Dengan Menggunakan Pendekatan RGEC. Menara Ekonomi, 39-47.
Undang-Undang RI No.10 Tahun 1998. Tentang Perbankan.
Widiyanto, A. (2013). Statistika Terapan. Jakarta: PT Alex Media Komputindo. Zettyra, Z., & Mutia, E. (2019). Perbandingan Tingkat Kesehatan Bank Umum Konvensional Dan Bank Umum Syariah Menggunakan Metode RGEC.
Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi (JIMEKA), 635-653.