Stabilitas Bank Syariah Vs Bank Konvensional: Mana Yang Lebih Tangguh?
DOI:
https://doi.org/10.30762/wadiah.v10i2.2998Keywords:
Capital Adequacy (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Return of Asset (ROA), Stabilitas bank, bank syariah, Bank KonvensionalAbstract
This study analyzes the comparison of stability between Islamic banks and conventional banks in Indonesia using the financial indicators CAR, NPF, FDR, and ROA for the period 2019-2024. This period was chosen because it is crucial for the banking sector. The approach used is a quantitative method using secondary data from the banks' annual financial statements. The sample was determined by targeted selection, resulting in 11 Islamic banks and 14 conventional banks being selected. The analysis was performed using a descriptive statistical approach and the Mann-Whitney test. The results show that Islamic banks are superior in terms of CAR and ROA, indicating better capital strength and profitability. However, conventional banks are superior in terms of NPF. In terms of liquidity, both types of banks are relatively balanced. The Mann-Whitney test confirmed significant differences in the CAR variable, but not in NPF, FDR, and ROA. These results have practical implications for bank management to strengthen risk management strategies. In addition, the research findings can serve as a reference for regulators and other stakeholders to formulate adaptive supervisory policies to maintain national financial stability.
References
Chaffai, Mohamed el Arbi. “Are Islamic Banks More Efficient Than Conventional Banks? The Meta-Regression Verdict.” Economic Research Forum, 2020, 1–22.
Diniyah, Fellasufah. “Stabilitas Bank Syariah Dan Bank Konvensional Di Indonesia: Comparative Analylis.” SAUJANA : Jurnal Perbankan Syariah Dan Ekonomi Syariah 5, no. 02 (2023): 66–80. https://doi.org/10.59636/saujana.v5i02.146.
Fajahriza, Reyhan Fernanda. “Aset Perbankan RI Terkini Tembus Rp12.012,4 Triliun, 4 Bank Ini Mendominasi.” Finansial.Bisnis.Com, 2024. https://finansial.bisnis.com/read/20240926/90/1802495/aset-perbankan-ri-terkini-tembus-rp120124-triliun-4-bank-ini-mendominasi.
Fatoni, Ahmad, and Sahabudin Sidiq. “Analisis Perbandingan Stabilitas Sistem Perbankan Syariah Dan Konvensional Di Indonesia.” Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan Dan Akuntansi 11, no. 2 (2019): 179–98. https://doi.org/10.35313/ekspansi.v11i2.1350.
Ghouse, Ghulam, Nafees Ejaz, M Ishaq Bhatti, and Aribah Aslam. “Borsa _ Istanbul Review Performance of Islamic vs Conventional Banks in OIC Countries : Resilience and Recovery during Covid-19.” Borsa Istanbul Review 22 (2022): S60–78. https://doi.org/10.1016/j.bir.2022.11.020.
Hidayati, Lita Nur. “PENGARUH KECUKUPAN MODAL (CAR), PENGELOLAAN KREDIT (NPL), DAN LIKUIDITAS BANK (LDR) TERHADAP PROBABILITAS KEBANGKRUTAN BANK (STUDI PADA BANK UMUM SWASTA DEVISA YANG TERCATAT DI BEI TAHUN 2009 – 2013).” Jurnal Ilmu Manajemen 12, no. 1 (2015): 38–50.
Jarbou, Samah Ibrahim, Ana Irimia-di, and Manuela Prieto-Rodríguez. “Financial Performance of Islamic and Conventional Banks in MENA Region : A GLS Approach.” Journal of Islamic Accounting and Business Research, 2024. https://doi.org/10.1108/JIABR-11-2023-0380.
Khosiah, Hajrah, and Syafril. “Persepsi Masyarakat Terhadap Rencana Pemerintah Membuka Area Pertambangan Emas Di Desa Sumi Kecamatan Lambu Kabupaten Bima.” Jurnal Ilmu Sosial Dan Pendidikan 1, no. 2 (2017): 141–49.
Kurniawan, Yogi, and Mufti Arief Arfiansyah. “Analisis Komparasi Kinerja Keuangan Bank Syariah Dengan Bank Non Syariah Di Indonesia.” Journal of Sharia Economics 6, no. 1 (2024): 131–51.
Majeed, Muhammad Tariq, and Abida Zainab. “A Comparative Analysis of Financial Performance of Islamic Banks -Vis Conventional Banks : Vis- a Evidence from Pakistan” 13, no. 3 (2021): 331–46. https://doi.org/10.1108/IJIF-08-2018-0093.
Muhri, Asriani, Abdul Hamid Habbe, Yohanis Rura, Program Studi, Magister Akuntansi, Universitas Hasanuddin, and Corresponding Author. “Analisis Perbandingan Stabilitas Bank Syariah Dan Bank Konvensional” 7 (2023): 346–66. https://doi.org/10.33395/owner.v7i1.1360.
Munandar, Aris. “FAKTOR – FAKTOR YANG MEMENGARUHI FINANCING TO DEPOSIT RATIO ( FDR ) SERTA IMPLIKASINYA TERHADAP RETURN ON ASSETS ( ROA ) DAN NET OPERATING MARGIN ( NOM ) PADA BANK UMUM SYARIAH PERIODE” 7 (2022): 105–16.
OJK. “Siaran Pers: Kinerja Positif Perbankan Syariah 2024.” Otoritas Jasa Keuangan, 2025. https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Kinerja-Positif-Perbankan-Syariah-2024.aspx.
Rahim, Benny Nurzikri. “PENGARUH RASIO KECUKUPAN MODAL ( CAPITAL ADEQUACY RATIO ) YANG MEMPERHITUNGKAN RISIKO KREDIT DAN RISIKO PASAR TERHADAP PROFITABILITAS ,.” JURNAL SOSIAL EKONOMI PEMBANGUNAN, no. 12 (2014): 245–62.
Santoso, Teguh, Irlan Adiyatma Rum, and Kinanti Z Patria. “Islamic and Conventional Banks Stability : A Comparative Analysis.” Atlantis Press, 2016, 8–13. https://doi.org/10.2991/imm-16.2016.2.
Saputri, Ely Eka, Siti Elita, and Anisatul Kamilah. “Analisis Perkembangan Perbankan Syariah Di Indonesia Dengan Melaksanakan Spin Off Pada Unit Usaha Syariah.” Jurnal Inovasi Ekonomi Syariah Dan Akuntansi 1, no. 4 (2024): 01–10. https://doi.org/10.61132/jiesa.v1i4.210.
Simangunsong, Ria Rosalia, Yeti Kusmawati, and Sari Karmiyati. “Pengaruh Current Ratio ( CR ) Dan Return On Asset ( ROA ) Terhadap Harga Saham Pada PT Gudang Garam Tbk Periode 2014 – 2023.” SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management and Business 8, no. 2 (2025): 594–601.
Subekti, Wahyu Agung Panji, and Guntur Kusuma Wardana. “Pengaruh CAR, Asset Growth, BOPO, DPK, Pembiayaan, NPF Dan FDR Terhadap ROA Bank Umum Syariah.” INOBIS: Jurnal Inovasi Bisnis Dan Manajemen Indonesia 5, no. 2 (2022): 270–85. https://doi.org/10.31842/jurnalinobis.v5i2.229.
Sugiyono. METODE PENELITIAN KUANTITATIF KUALITATIF DAN R&D. Edited by Sutopo. Edisi 2. Bandung: CV ALFABETA, 2023.
Sumeke, Miilitia Christy Agil Sumeke. “ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK UMUM KONVENSIONAL DAN BANK UMUM SYARIAH BERDASARKAN RASIO KEUANGAN BANK.” UNIVERSITS BRAWIJAYA, 2019.
Wati, Tika Apriliana, and Hari Karyadi. “ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK KONVENSIONAL DAN BANK SYARIAH DI INDONESIA PERIODE 2018 – 2023.” Jurnal Strategi Bisnis (JSB) 13, no. 1 (2025): 10–19.
Yusuf, Norfa A, Prof Rusman Soleman, Dwi Yana, and Amalia Sari. “Analisis Perbandingan Kinerja Keuangan Bank Konvensional Dan Bank Syariah” 11, no. 2 (2024).
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Achmad Raihan Rafli, Aufar Fadlul Hady, Rachma Indrarini, Arva Athallah Susanto
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
