scholarly journals Comparative efficiency analysis of conventional banks and Islamic banks: in evidence of Pakistan

2020 ◽  
Author(s):  
Khalid Mehmood ◽  
Natalja Lace ◽  
Irena Danilevičienė
Keyword(s):  
Trend Analysis ◽  
Efficiency Analysis ◽  
Financial Ratios ◽  
Positive Trend ◽  
Islamic Banks ◽  
Comparative Efficiency ◽  
Analysis Technique ◽  
The Future ◽  
Conventional Banks

The study evaluates the comparison and efficiency of Pakistani Islamic and conventional banks. Data are collected from the reports of banks website and state bank of Pakistan for the period 2013−2017. Used financial ratios for methodology and descriptive summary, correlation and Trend for analysis technique. The analysis shows conventional banks are more liquid, solvent and less risky. According to profit-ability ratio, Islamic banks are more profitable. Trend analysis shows, both banks have positive trends, but the conventional banks disclose more efficiency and positive trend. Conventional banks are technologically advanced and extensive, but the future of Islamic banks looking bright in case of Pakistan.

Pengaruh Nilai Tukar (Kurs) dan Inflasi terhadap Tingkat  Non Performing  Financing (NPF) Pada Bank Syariah

2019 ◽  
Vol 2 (2) ◽  
pp. 214-224
Author(s):  
Muhammad Arfan Harahap ◽  
Anjur Perkasa Alam ◽  
Muspita Pradila
Keyword(s):  
Exchange Rate ◽  
Time Series Data ◽  
Sampling Technique ◽  
Series Data ◽  
Islamic Banks ◽  
Exogenous Variables ◽  
Independent Variables ◽  
Analysis Technique ◽  
The Exchange Rate ◽  
Conventional Banks

The level of Non-Performing Financing at Islamic Banks is higher than conventional banks, while in terms of total assets, Islamic Banks are smaller. This study aims to analyze the effect of exogenous variables consisting of the level of inflation and the exchange rate of the rupiah against non Performing Financing in Islamic banks. This study uses time series data from 2016-2018. The population in this study consisted of Islamic Commercial Banks. The sampling technique used in this research is purposive sampling technique. The data analysis technique used is Multiple Linear Regression. The results showed that the inflation variable had a positive and significant effect on Non Performing Financing. While the Exchange Rate has no effect on Non Performing Finance. Meanwhile, simultaneously the two independent variables affect the independent variables.

Performance comparison of Islamic and conventional banks: empirical evidence from Pakistan

2017 ◽  
Vol 10 (3) ◽  
pp. 419-433 ◽  
Author(s):  
Imran Khan ◽  
Mehreen Khan ◽  
Muhammad Tahir
Keyword(s):  
Management Practices ◽  
Operational Efficiency ◽  
Financial Ratios ◽  
Original Research ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Content Type ◽  
Performance Differences ◽  
Conventional Banks ◽  
Asset Quality

Purpose This study aims to investigate the performance differences of Islamic and conventional banks in Pakistan by using financial ratios. Design/methodology/approach This study analyzed 5 Islamic and 19 conventional banks for the periods of 2007-2014. Two types of analyses were performed – sample t-test and logistic regression. Analysis was also performed on sub-sample considering crisis effects. Findings It was found that Islamic banks are relatively better in profitability, efficiency, risk and liquidity management, while conventional banks are superior in asset quality. Higher efficiency of Islamic banks contradicts with previous studies conducted in Pakistan. Probable reasons for this include phenomenal expansion of Islamic banking industry and its broad appeal to customers in Pakistan. Risk management practices of Islamic banks are superior to conventional banks, as Shariah rules restrict pure speculation in monetary terms. Better asset quality of conventional banks is attributed to their recognition and product diversity. During the crisis, Islamic banks were found less profitable than their counterparts. Research limitations/implications This study suggests that high operational efficiency of Islamic banks should be converted into technical efficiency by improving human resource, introducing innovative market-oriented products and prudent resource allocations. As operational efficiency does not promise returns in long term, to sustain ongoing phenomenal growth of Islamic banking, management needs to gain customer trust. Originality/value This is an original research that compares performance differences across Islamic and conventional banks by using financial ratios.

scholarly journals MENINJAU KINERJA BANK SYARIAH DI INDONESIA

2020 ◽  
Vol 3 (1) ◽  
pp. 31-40
Author(s):  
Fitri Sagantha
Keyword(s):  
Regression Analysis ◽  
Financial Performance ◽  
Financial Statements ◽  
Quantitative Approach ◽  
Financial Ratios ◽  
Islamic Banks ◽  
Economic Stability ◽  
Financial Ratio ◽  
Significant Stage ◽  
Conventional Banks

To show the role, then show the performance. Maybe, the term is right for the bank. The existence of banks influences economic stability, therefore financial performance must be good. There is no choice but to increase the entire financial ratio. Interest in reviewing the financial ratios of banks, especially Islamic banks, is the goal to be achieved in this study. Use financial statements as data, and analyze the extent of their performance and influence. For this reason, a quantitative approach and regression analysis are needed. So that research results can be explained properly. The findings in this study suggest that the performance of Islamic banks is relative. Its role is not yet at a significant stage for the economy, and it is still far from conventional banks

scholarly journals ANALISIS PROFITABILITAS BANK SYARIAH DAN BANK KONVENSIONAL PERIODE 2010-2015

2018 ◽  
Vol 22 (2) ◽  
pp. 83-90
Author(s):  
Radestian Radestian
Keyword(s):  
Regression Analysis ◽  
T Test ◽  
Islamic Banks ◽  
Analysis Technique ◽  
Address Data ◽  
Regression Test ◽  
Negative Effect ◽  
Independent Variable ◽  
Conventional Banks ◽  
Positive Effect

This study aims to analyze the profitabilitybetween Islamic Banks and Conventional Banks in Indonesia. This study uses data from 2010 to 2015. The samples used in this study consists of 3 Islamic Banks and 3 Conventional Banks. While the data used is obtained from the financialstatements of each bank stored in the bank website address. Data analysis technique is done by t-test and regression analysis with SPSS 18 application. The estimation results on the t-test showed that the banks used in this study did not have significantmean differences. The result of the regression test shows simultaneously the independent variable of DPK, Equity and Loan only affects the ROA of conventional bank. While partially on conventional banks DPK has a negative effect is not significantto ROA, Equity has a positive effect is not significantto ROA, Loans has a positive effect is not significantto ROA. In Islamic banks DPK has a positive effect is not significantto ROA, Equity has a negative effect is not significantto ROA, Loans has a negative effect is not significantto ROA. From these results can be said that conventional banks more profitablewhen compared to Islamic banks.

scholarly journals FAKTOR-FAKTOR PENENTU PEMBERIAN PEMBIAYAAN GRIYA BSM PADA PT.BANK SYARIAH MANDIRI KANTOR CABANG PADANG

2020 ◽  
Author(s):  
Annisa Raihana ◽  
Elva Dona
Keyword(s):  
Islamic Banks ◽  
The Future ◽  
Conventional Banks

The purpose of the study was to find out what factors were the determinants of providing BSM salary financing at the stage of applying for financing to the disbursement stage using the 5C + 1S principles, namely character, capacity, capital, collateral, conditions and Sharia so that non-performing financing occurs in the future future. The results of this research are what factors differentiate the provision of financing to Islamic banks with conventional banks.

scholarly journals PENGARUH PENYALURAN DANA BANK KONVENSIONAL DAN BANK SYARIAH TERHADAP PRODUK DOMESTIK BRUTO DI INDONESIA

Media Ekonomi ◽  
2016 ◽  
Vol 24 (2) ◽  
pp. 127
Author(s):  
Sinta Rani Siti Sarah ◽  
Sumiyarti ,
Keyword(s):  
Linear Regression ◽  
Gross Domestic Product ◽  
Least Square Method ◽  
Least Square ◽  
Domestic Product ◽  
Islamic Banks ◽  
Ordinary Least Square ◽  
Analysis Technique ◽  
Using Data ◽  
Conventional Banks

<p><em>This study aims to analyse the distribution of Islamic banks and the distribution of conventional bank funds to the gross domestic product in Indonesia. The analysis was carried out using data scanned by the Central Statistics Agency (BPS) and Bank Indonesia for 2004: 01-2014: 04 period. The analysis technique used in this study was Multiple Linear Regression using the OLS (Ordinary Least Square) method. The results showed that the distribution of Islamic banks had a positive and not significant effect on the growth of Gross Domestic Product (GDP), while the distribution of funds from conventional banks and Islamic banks was significant towards Gross Domestic Product.</em></p>

scholarly journals Analisis Tingkat Kesehatan PT.BNI Syariah dengan Menggunakan Rasio Keuangan yaitu Rasio Likuiditas dan Economic Value Added (EVA)

Akuntabilitas ◽  
2021 ◽  
Vol 14 (2) ◽  
pp. 187-200
Author(s):  
Sabirin Sabirin ◽  
Desy Agus Saputri
Keyword(s):  
Economic Value ◽  
Value Added ◽  
Financial Ratios ◽  
Islamic Banks ◽  
Economic Value Added ◽  
Financial Report ◽  
Health Level ◽  
Analysis Technique ◽  
Research Period

The purpose of this study was to determine the soundness of Islamic banks by using financial ratios, namely the liquidity ratio and Economic Value Added (EVA). The object of this research is the BNI Syariah Bank Financial Report for the 2016-2019 research period. The analysis technique used is the liquidity ratio and Economic Value Added (EVA). The results of the study show that the health level of the liquidity ratio which consists of the 2016 to 2019 Quick Ratio is in an unhealthy position. Cash Ratio from 2016 to 2019 is in a very healthy position. Loan to Deposit Ratio from 2016 to 2018 is in a healthy position. Lastly, the Banking Ratio in 2018 and 2019 is in a healthy position, while in 2016 and 2017 it is in an unhealthy position. Meanwhile EVA in 2016 to 2019 showed a positive value or EVA > 0 meaning that it succeeded in creating economic value addedHow to Cite:Sabirin., & Syaputri, D. A. (2021). Analisis Tingkat Kesehatan PT. BNI Syariah Periode 2016-2019. Akuntabilitas: Jurnal Ilmu Akuntansi, 14(2), 187-200.

scholarly journals ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK KONVENSIONAL DENGAN BANK SYARIAH PERIODE 2015-2019

2021 ◽  
Vol 14 (2) ◽  
Author(s):  
Ila Komalasari ◽  
Wirman Wirman
Keyword(s):  
Financial Performance ◽  
Random Sampling ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Financial Ratios ◽  
Islamic Banks ◽  
Banking Services ◽  
Conventional Banks ◽  
Banking Institution ◽  
Descriptive Method

<p><strong><em>ABSTRACT: </em></strong><em>Even though the majority of the population of Indonesia is Muslim, there is a lack of views about the advantages of Islamic banks, so they prefer to use conventional banking services. The target to be achieved is to find out whether there is a dissimilarity between conventional banks and Islamic banks in their financial performance. And to find out which banking institution is superior based on financial performance ratios. This study uses a comparative descriptive method through a quantitative approach. The sampling technique used is simple random sampling technique. The data used are financial ratios, namely CAR, NPL/NPF, ROA, BOPO, and LDR/FDR. Then the facts are as follows: 1) There is dissimilarity in CAR performance between the two banks, and CAR at conventional banks is superior to Islamic banks. 2) There is dissimilarity in the performance of NPL/NPF between the two banks, and the NPL/NPF of conventional banks is superior to that of Islamic banks. 3) There is no dissimilarity in ROA performance between the two banks, and ROA at conventional banks is superior to Islamic banks. 4) There is no dissimilarity in BOPO performance between the two banks, and BOPO at conventional banks is superior to Islamic banks. 5) There is no dissimilarity in the performance of LDR/FDR between the two banks, and LDR/FDR in Islamic banks is superior to conventional banks.</em></p><p><strong><em>Keywords: </em></strong><em> Conventional Banks, Islamic Banks, Financial Performance, Financial Ratios</em></p><p> </p><p><strong>ABSTRAK:</strong> Kendatipun sebagian besar penduduk negara Indonesia beragama Muslim, namun minimnya pandangan mengenai keunggulan bank syariah sehingga mereka lebih memilih memanfaatkan jasa perbankan konvensional. Sasaran yang ingin dicapai yakni ingin mendapati ada tidaknya dismilaritas bank konvensional dengan bank syariah dalam kinerja keuangannya, dan untuk mendapati lembaga perbankan mana yang lebih unggul beralaskan rasio kinerja keuangan. Penelitian ini memakai metode deskriptif komparatif melalui pendekatan kuantitatif. Dengan Teknik pengambilan sampel yang dipakai yakni teknik <em>simple random sampling</em>. Data yang dipakai berupa rasio-rasio keuangan yaitu CAR, NPL/NPF, ROA, BOPO, dan LDR/FDR. Kemudian faktanya yakni seperti berikut ini: 1) Adanya dismilaritas kinerja CAR antara kedua bank, dan CAR pada bank konvensional lebih unggul ketimbang bank syariah. 2) Adanya dismilaritas kinerja NPL/NPF antara kedua bank, dan NPL/NPF pada bank konvensional lebih unggul ketimbang bank syariah. 3) Tidak adanya dismilaritas kinerja ROA antara kedua bank, dan ROA pada bank konvensional lebih unggul ketimbang bank syariah. 4) Tidak adanya dismilaritas kinerja BOPO antara kedua bank, dan BOPO pada bank konvensional lebih unggul ketimbang bank syariah. 5) Tidak adanya dismilaritas kinerja LDR/FDR antara kedua bank, dan LDR/FDR pada bank syariah lebih unggul ketimbang bank konvensional.</p><p><strong>Kata Kunci:</strong> Bank Konvensional, Bank Syariah, Kinerja Keuangan, Rasio Keuangan</p><p> </p><p><em><br /></em></p>

scholarly journals The Effect Of Debt-Based Financing And Equity-Based Financing On Islamic Banks Profitability In Indonesia

2020 ◽  
Vol 4 (2) ◽  
pp. 106
Author(s):  
Rofiul Wahyudi ◽  
Aulia Arifatu Diniyya ◽  
Julia Noermawati Eka Satyarini ◽  
Lu’liyatul Mutmainah ◽  
Sri Maulida
Keyword(s):  
Panel Data ◽  
Time Series Data ◽  
Random Effect ◽  
Series Data ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Common Effect ◽  
Analysis Technique ◽  
Conceptual Aspect ◽  
Conventional Banks

This study's main objective is to investigate equity-based financing and debt-based financing of the profitability of Islamic banking in Indonesia. This research is expected to contribute to the theoretical and practical dimensions. On the conceptual aspect, this study can provide evidence of whether equity-based financing and debt-based financing affect the profitability of Islamic banking. While on the practical dimension, Islamic banks in Indonesia can determine the extent of their profitability and, in turn, the competitiveness of Islamic banks to enable it to be developed in line or even better than conventional banks. The data analysis technique uses panel data regression, which is time series data and cross-section. Next, to estimate the panel data model, which is divided into three, namely: common effect, fixed effect, and random effect. The result of this study that partially equity-based financing does not affect ROE. At the same time, debt-based financing influences the ROE of Islamic banks. Partially equity-based financing and debt-based financing do not affect ROA of Islamic banks. However, it simultaneously shows that the independent variable test results, namely equity-based financing and debt-based financing, have a strong influence on the dependent variable, namely, profitability as measured by ROA and ROE.

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