Eva dan rasio keuangan sebagai pembeda bank konvensional dan bank syariah di Indonesia

Jannah, Miftachul (2012) Eva dan rasio keuangan sebagai pembeda bank konvensional dan bank syariah di Indonesia. Undergraduate thesis, Universitas Islam Negeri Maulana Malik Ibrahim.

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Abstract

INDONESIA:

Penelitian ini dilakukan untuk membedakan bank konvensional dan bank syariah dengan rasio keuangan dan EVA (Economic Value Added) periode 2009-2011. Adapun rasio keuangan yang digunakan CAR (Capital Adequacy Ratio), ROE (Return on Equity), ROA (Return on Assets), NPL (Non Performing Loan), NIM (Net Interest Margin) dan LDR (Loan to deposit ratio). Pengambilan sampel penelitian ini menggunakan metode purposive sampling. Sampel sebanyak 15 bank yang ditentukan berdasarkan kriteria yang telah ditetapkan selama periode 2009-2011. Data diperoleh dari Direktori Perbankan, Bursa Efek Indonesia dan internet. Metode analisis yang digunakan untuk menguji hipotesis penelitian adalah regresi logistik.

Hasil penelitian menunjukkan bahwa rasio keuangan dan EVA dapat membedakan bank konvensional dan bank syariah. Dari hasil analisis menunjukkan hasil secara parsial bahwa variabel CAR, ROA, dan EVA dapat dijadikan sebagai alat atau variabel pembeda bank konvensional dan bank syariah. Sedangkan variabel ROE, NPL, NIM dan LDR tidak dapat dijadikan alat atau variabel pembeda bank konvensional dan bank syariah. Kemudian hasil estimasi regresi logistik menunjukkan kemampuan dari 7 variabel bebas tersebut dapat dijadikan variabel pembeda bank konvensional dan bank syariah sebesar 32,7%

ENGLISH:

Research is conducted to distinguish the conventional banks and Islamic banks with financial ratios and EVA (Economic Value Added) in the period 2009-2011. The financial ratios CAR (Capital Adequacy Ratio), ROE (Return on Equity), ROA (Return on Assets), NPL (Non Performing Loan), NIM (Net Interest Margin) and LDR (Loan to deposit ratio). Samples of 15 bank are selected based on predetermined criteria during the period of 2009-2011. Data is obtained from the Banking Directory, Indonesia Stock Exchange and the internet. The research hypothesis is testing using logistic regression analys.

The results showed that the financial ratio and EVA can the distinguish between conventional banks and Islamic banks. From the analysis of partial results indicated that the variable CAR, ROA, and EVA can be used as a tool or a variable distinguish conventional banks and Islamic banks. While ROE variables, NPL, NIM and LDR can not be used as a tool or a variable distinguishing conventional banks and Islamic banks. Then the logistic regression estimation results indicate the ability of seven independent variables can be used as variables to distinguish conventional banks and Islamic banks by 32.7%

Item Type: Thesis (Undergraduate)
Supervisor: Oktaviana, Ulfi Kartika
Keywords: Economic Value Added; Rasio Keuangan; Regresi Logistik; Financial Ratios; Logistic
Subjects: 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150203 Financial Institutions (incl. Banking)
Departement: Fakultas Ekonomi > Jurusan Manajemen
Location: 150203
Depositing User: Ratih Novitasari
Date Deposited: 28 Sep 2015 02:57
Last Modified: 28 Sep 2015 02:57
URI: http://etheses.uin-malang.ac.id/id/eprint/2055

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