Perbedaan Efisiensi, Stabilitas, Dan Likuiditas Bank Umum Syariah Dengan Bank Umum Di Indonesia (Studi Pada Bank Yang Terdaftar Di Bank Indonesia Periode 2008-2012)

Oleh :
Alim Akmal Muttaqiin - F0210015 - Fak. Ekonomi dan Bisnis

The condition of the world economy has not been stable enough as the impact of global economic crisis. The crisis that occurred in 2008 is now the subject of academic study not limited to the economic field. Islamic economic system which includes Islamic financial institution is believed to be more resistant on crisis than existing systems because it avoids the practice of derivatives and other speculative activities. This study aimed to find out and answer that. Using Financial Ratio Analisys method (FRA) this study examines and analyzes the 103 banks which consists of 11 Islamic Commercial Banks and 92 Commercial Banks in Indonesia during 2008-2012. The results of descriptive statistics found that in the period 2008-2012 Indonesian banks have a satisfactory performance. Islamic Commercial Banks has efficiency and lower liquidity than Commercial Banks. The stability of Islamic Commercial Banks higher based on EAR and z-score, but lower based on ROA. Mann-Whitney Test find there are differences statistically between the ROA and LAR of Islamic Commercial Banks with Commercial Banks, while EAR, Z-score and LDR no difference.