PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DI INDONESIA DAN MALAYSIA MENGGUNAKAN SHARIA CONFORMITY AND PROFITABILITY INDEX (SCnPI), SHARIA MAQASHID INDEX (SMI) DAN CAMELS

M. UJANG, BAIHAQI (2023) PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DI INDONESIA DAN MALAYSIA MENGGUNAKAN SHARIA CONFORMITY AND PROFITABILITY INDEX (SCnPI), SHARIA MAQASHID INDEX (SMI) DAN CAMELS. Masters thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Pertumbuhan dan market share perbankan Syariah di Indonesia jika dibandingkan dengan perbankan Syariah di Malaysia cukup jauh tertinggal sehingga menjadi sebuah pertanyaan banyak pihak. Oleh karena itu, penelitian ini bertujuan untuk menganalisa perbandingan kinerja bank umum syariah di Indonesia dan Malaysia dengan pendekatan Sharia Conformity and Profitability Index (SCnP), Sharia Maqashid Index (SMI) dan CAMELS (Capital, Asset quality, Management, Earnings, Liquidity, dan Sensitivity to Market Risk) pada Bank Umum Syariah di Indonesia dan Malaysia. dengan tujuan untuk mengetahui Faktor-Faktor apa saja Memengaruhi Market Share Perbankan Syariah Indonesia dan Malaysia dengan ketiga variable tersebut. Pada penelitian ini digunakan data dari laporan keuangan dan laporan tahunan (annual report) yang disediakan oleh masing-masing sampel bank syariah. Penelitian ini menggunakan 9 sampel bank umum syariah untuk setiap negara (Indonesia dan Malaysia), sehingga total sampel penelitian ini sebanyak 18 bank umum Syariah selama periode 2015-2020. Hasil penelitian menunjukkan nilai total SCnPI masing-masing Perbankan Syariah Indonesia 0.8383 dan Malaysia 0.8359, mayoritas bank syariah di Indonesia dan Malaysia memiliki karakteristik yang sama dengan kondisi kesesuaian syariah (sharia conformity) rendah dan dengan profitabilitas (profitability) tinggi sehingga dapat disimpulkan nilai SCnPI tidak memiliki perbedaan yang signifikan. Pada pengukuran kinerja metode MSI nilai total MSI masing-masing Perbankan Syariah Indonesia 16.92 dan Malaysia 13.15. Sehingga peringkat tertinggi Indeks Maqashid Syariah secara keseluruhan diperoleh Perbankan Syariah Indonesia. Pada Hasil Evaluasi CAMELS BUS Indonesia Periode 2015-2020 sebesar 68.9955, sedangkan BUS Malaysia sebesar 74.0275. Artinya perbankan Syariah Indonesia dan Malaysia sama-sama berpredikat Cukup Sehat. Sedangkan pada Pengaruh Shariah Conformity and Profitablity Index (SCnPI), Maqshid Syariah Index (MSI), dan CAMELS (Capital, Asset Quality, Management, Liquidity, Earning dan Sensitivity to Market Risk) viii terhadap market share perbankan syariah di Indonesia dan Malaysia dapat disimpulkan bahwa secara simultan Shariah Conformity (X1), Profitablity (X2), MSI (X3), dan CAMEL (X4) berpengaruh signifikan terhadap market share perbankan syariah. Kata kunci: Kinerja Bank Umum Syariah, Sharia Conformity, Profitabilitas, Indeks Maqashid Syariah, CAMELS, Market Share. ix ABSTRACT The growth and market share of Islamic banking in Indonesia when compared to Islamic banking in Malaysia is quite far behind so that it becomes a question for many parties. Therefore, this study aims to analyze the performance comparison of Islamic commercial banks in Indonesia and Malaysia using the Sharia Conformity and Profitability Index (SCnP), Sharia Maqashid Index (SMI) and CAMELS (Capital, Asset quality, Management, Earnings, Liquidity, and Sensitivity to Market Risk) approaches. in Islamic Commercial Banks in Indonesia and Malaysia. with the aim of knowing what factors influence the market share of Indonesian and Malaysian Islamic banking with these three variables. In this study, data from financial reports and annual reports provided by each sample of Islamic banks were used. This study used 9 samples of Islamic commercial banks for each country (Indonesia and Malaysia), bringing the total sample to this study as many as 18 Islamic commercial banks during the 2015-2020 period. The results showed that the total SCnPI value of each Indonesian Sharia Banking was 0.8383 and Malaysia was 0.8359, the majority of Islamic banks in Indonesia and Malaysia have the same characteristics with low sharia conformity and high profitability so it can be concluded that the SCnPI value is not has a significant difference. In measuring the performance of the MSI method, the total MSI value for each Indonesian Islamic Banking is 16.92 and Malaysia is 13.15. So that the highest rating for the Maqashid Sharia Index as a whole is obtained by Indonesian Sharia Banking. The CAMELS Evaluation Results for Indonesian BUS for the 2015-2020 period were 68.9955, while Malaysian BUS were 74.0275. This means that both Indonesian and Malaysian Islamic banks have a Fairly Healthy rating. Meanwhile, on the influence of the Shariah Conformity and Profitablity Index (SCnPI), Maqshid Syariah Index (MSI), and CAMELS (Capital, Asset Quality, Management, Liquidity, Earning and Sensitivity to Market Risk) on the market share of Islamic banking in Indonesia and Malaysia, it can be concluded that simultaneously Shariah Conformity x (X1), Profitablity (X2), MSI (X3), and CAMEL (X4) have a significant effect on the market share of Islamic banking. Keywords: Sharia Commercial Bank Performance, Sharia Conformity, Profitability, Sharia Maqashid Index, CAMELS, Market Share.

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