ANALISIS PERBANDINGAN KINERJA BANK KONVENSIONAL DAN BANK SYARIAH DI INDONESIA MENGGUNAKAN METODE Risk Profile, Good Corporate Governance, Earnings, and Capital (RGEC) Periode 2019-2024

Nova, Sulastri (2025) ANALISIS PERBANDINGAN KINERJA BANK KONVENSIONAL DAN BANK SYARIAH DI INDONESIA MENGGUNAKAN METODE Risk Profile, Good Corporate Governance, Earnings, and Capital (RGEC) Periode 2019-2024. Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Penelitian ini menganalisis perbandingan kinerja Bank Konvensional dan Bank Syariah di Indonesia menggunakan metode RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital) selama periode 2019–2024. Latar belakang penelitian ini adalah pentingnya memahami perbedaan kinerja kedua jenis bank. Fokus penelitian adalah mengevaluasi apakah terdapat perbedaan signifikan dalam aspek RGEC antara Bank Konvensional dan Bank Syariah, serta implikasinya bagi regulator, investor, dan industri perbankan. Metode penelitian yang digunakan adalah kuantitatif deskriptif dengan data sekunder dari laporan keuangan tahunan 12 Bank Konvensional dan 5 Bank Syariah yang terdaftar di Otoritas Jasa Keuangan (OJK). Analisis data meliputi perhitungan rasio RGEC (NPL/NPF, LDR/FDR, ROA, CAR) dan uji statistik independent sample t-test untuk menguji hipotesis perbedaan kinerja. Penelitian ini juga menerapkan kriteria penilaian kesehatan bank berdasarkan peraturan Bank Indonesia. Hasil penelitian menunjukkan tidak ada perbedaan signifikan dalam Risk Profile (NPL/NPF dan LDR/FDR) dan Good Corporate Governance (GCG) antara kedua jenis bank, meskipun Bank Syariah lebih likuid. Namun, Bank Konvensional lebih unggul dalam Earnings (ROA) dengan rata-rata 2,11% dibandingkan Bank Syariah (0,94%). Sementara itu, tidak ada perbedaan signifikan dalam Capital (CAR), dengan kedua bank memenuhi kriteria kecukupan modal. Simpulan penelitian ini memberikan rekomendasi bagi Bank Syariah untuk meningkatkan efisiensi operasional dan bagi regulator untuk menyusun kebijakan yang mendukung pertumbuhan perbankan syariah. Kata Kunci : Kinerja Bank, RGEC, Bank Konvensional, Bank Syariah, Analisis Perbandingan. ABSTRACT This study examines the comparative performance of Conventional and Islamic Banks in Indonesia using the RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital) method during the 2019–2024 period. The research background highlights the need to evaluate the performance differences between these banks. The study focuses on assessing whether significant differences exist in RGEC components between Conventional and Islamic Banks and their implications for regulators, investors, and the banking industry. The research employs a descriptive quantitative method with secondary data from annual financial reports of 12 Conventional Banks and 5 Islamic Banks registered with the Financial Services Authority (OJK). Data analysis includes calculating RGEC ratios (NPL/NPF, LDR/FDR, ROA, CAR) and conducting an independent sample t-test to examine performance differences. The study also applies Bank Indonesia’s health assessment criteria. The results indicate no significant differences in Risk Profile (NPL/NPF and LDR/FDR) and Good Corporate Governance (GCG) between the two bank types, although Islamic Banks exhibit higher liquidity. However, Conventional Banks outperform in Earnings (ROA) with an average of 2.11% compared to Islamic Banks (0.94%). Meanwhile, Capital (CAR) shows no significant difference, with both bank types meeting capital adequacy criteria. The study concludes with recommendations for Islamic Banks to e.

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