PENGARUH RASIO KESEHATAN BANK TERHADAP KINERJA KEUANGAN BANK UMUM SYARIAH DAN BANK KONVENSIONAL DI INDONESIA The Influence of Ratio Financial Results For Bank of Islamic Banks and Conventional Banks in Indonesia

Abstract

ABSTRAK Pengaruh Rasio Kesehatan Bank terhadap Kinerja Keuangan Bank Umum Syariah dan Bank Konvensional Di Indonesia. Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh tingkat rasio kesehatan bank terhadap Kinerja keuangan Bank Umum Syariah dan Bank Konvensional di Indoneisa serta untuk mengetahui dan menganalisis perbedaan kinerja keuangan antara Bank Umum Syariah dengan Bank Konvensional di Indonesia. Populasi dalam penelitian ini adalah seluruh Bank Umum Syariah dan Bank Konvensional yang beroperasi di Indonesia. sampel dalam penelitian ini sebanyak 4 Bank Umum syariah dan 4 Bank Konvensional Data dianalisis dengan menggunakan model regresi berganda dan uji beda. Hasil penelitian menunjukkan bahwa CAR tidak berpengaruh signifikan terhadap ROA, BOPO berpengaruh negatif dan signifikan terhadap ROA, NOM berpengaruh positif dan signifikan terhadap ROA, NPF tidak berpengaruh signifikan terhadap ROA, FDR berpengaruh positif dan signifikan terhadap ROA pada Bank Umum Syariah di Indonesia. CAR berpengaruh positif dan signifikan terhadap ROA, BOPO tidak berpengaruh terhadap ROA, NIM berpengaruh positif dan signifikan terhadap ROA, NPL berpengaruh negatif dan signifikan terhadap ROA, LDR berpengaruh negatif dan signifikan terhadap ROA pada Bank Konvensional di Indonesia. Dan terdapat perbedaan Kinerja Keuangan antara Bank Umum Syariah dengan Bank Konvensional di Indonesia. ABSTRACT An Analysis on the Influence of Bank Health Ratio on the Financial Performance of Syariah Public Banks and Conventional Banks in Indonesia. The aims of the research are to find out and analyze the influence of the level of bank health ratio on financial performance of Syariah Public Banks and Conventional Banks in Indonesia and also to find out and analyze the difference of financial performance between Syariah Public Banks and Conventional Banks in Indonesia. The populations in the research were Syariah Public Banks and Conventional Banks in Indonesia. The sample consisted of 4 Syariah Public Banks and 4 Conventional Banks. Data were analyzed by using multiple regression analysis and different test. The result of the research reveal that CAR does not has significant effect on ROA; BOPO has a negative but significant effect on ROA; NOM has a positive and significant effect on ROA; NPF does not has significant effect on ROA; FDR has a positive and significant effect on ROA at Syariah Banks in Indonesia. CAR has a positive and significant on ROA; BOPO does not has a positive and significant effect on ROA; NIM has a positive and significant effect on ROA; NPL has a negative but significant effect on ROA; LDR has a negative but significant effect on ROA at Conventional Banks in Indonesia. There is a difference of financial performance between Syariah Public Banks and Conventional Banks in Indonesia.