PERBEDAAN RISK TAKING PERBANKAN SYARIAH DAN KONVENSIONAL

Abstract

Risk taking is risk that taken by banks in distributing credit to the public. Giving credit to the public is one of the ways to maximize company profits. There are two banking systems in Indonesia which are conventional and shariah banking systems. Conventional banks system based on Indonesian national law, while Islamic banks based on Islamic law. This research conduct determinants of risk taking at syariah banking and conventional banking in distributing funds to the public. The method that used in this research is stepwise methode. The sample in this study is all conventional banking and Islamic banks that are already listed on the Indonesia Stock Exchange, while the data sources used are from financial reports, annual reports and ICMD (Indonesian Capital Market Directory). The conclusions in this study can explain the differences determinants of risk taking in conventional and Islamic banking companies. Variables that can affect risk taking in this study are bank capital, bank size, mergers and acquisitions, bank ownership, LDR, GDP growth and inflation. The final results of this study can produce a regression model that can show all significant variables that can influence risk taking in both conventional and Islamic banking.