PERBANKAN SYARIAH DENGAN PERBANKAN KONVENSIONAL” Disusun Oleh Ema Rindawati
Nomor Mahasiswa : 00312235 FAKULTAS EKONOMI UNIVERSITAS ISLAM INDONESIA
DAFTAR ISI
Halaman Judul .............................................................ii
Pernyataan Bebas Plagiarisme ...........................................iii
Halaman Pengesahan.....................................................iv
Berita Acara Ujian Skripsi ................................................v
Motto .....................................................................vi
Persembahan .................................................................vii
Kata Pengantar .............................................................viii
Abstraksi ....................................................................x
Daftar Isi .................................................................xi
Daftrar Tabel...............................................................xv
Daftar Lampiran...............................................................xvi
BAB I PENDAHULUAN ................................................................1
1.1 Latar Belakang Masalah ......................................................1
1.2 Rumusan Masalah Penelitian ..................................................5
1.3 Batasan Masalah ..............................................................5
1.4 Tujuan Penelitian ...........................................................6
1.5 Manfaat Penelitian ...........................................................7
1.6 Hipotesis Penelitian ........................................................7
1.7 Metode Penelitian ..............................................................8
1.7.1 Sumber Data ................................................................8
1.7.2 Teknik Analisis ...........................................................9
1.8 Sistematika Penulisan .......................................................10
BAB II KAJIAN PUSTAKA .......................................................12
2.1 Penelitian Terdahulu .....................................................12
2.2 Pengertian Bank Konvensional ...............................................14
2.3 Bank Syariah .............................................................15
2.3.1 Pengertian Bank Syariah .............................................15
2.3.2 Prinsip Dasar Perbankan Syariah ................................16
2.3.3 Sistem Operasional Bank Syariah ...............................21
2.4 Perbedaan Bank Syariah dengan Bank Konvensional ............24
2.5 Rasio Keuangan ...............................................27
2.5.1 Rasio Permodalan (Solvabilitas) .................................27
2.5.2 Rasio Kualitas Aktiva Produktif (KAP) ......................32
2.5.3 Rasio Rentabilitas (Earning) .......................................33
2.5.4 Rasio Efisiensi (Rasio Biaya Operasional) .................34
2.5.5 Rasio Likuiditas (Liquidity) ........................................35
BAB III METODOLOGI PENELITIAN ..............................................36
3.1 Populasi dan Sampel ...............................................36
3.2 Pengumpulan Data ...............................................36
3.3 Pengukuran Variabel ............................................37
3.4 Metode Analisis Data ...........................................41
BAB IV PEMBAHASAN ..................................................42
4.1 Analisis Rasio CAR .............................................42
4.1.1 Analisis Deskripsi Kedua Sampel ...............................42
4.1.2 Pengujian Hipotesis ...........................................43
4.2 Analisis Rasio NPL ...............................................43
4.2.1 Analisis Deskripsi Kedua Sampel ...............................43
4.2.2 Pengujian Hipotesis ............................................44
4.3 Analisis Rasio ROA ...............................................44
4.3.1 Analisis Deskripsi Kedua Sampel .............................44
4.3.2 Pengujian Hipotesis .............................................45
4.4 Analisis Rasio ROE ...............................................45
4.4.1 Analisis Deskripsi Kedua Sampel ...............................45
4.4.2 Pengujian Hipotesis ............................................46
4.5 Analisis Rasio BOPO .............................................46
4.5.1 Analisis Deskripsi Kedua Sampel ...............................46
4.5.2 Pengujian Hipotesis ..............................................47
4.6 Analisis Rasio LDR ..................................................47
4.6.1 Analisis Deskripsi Kedua Sampel................................47
4.6.2 Pengujian Hipotesis .....................................................48
4.7 Analisis Kinerja Bank secara Keseluruhan .............................48
4.7.1 Analisis Deskripsi Kedua Sampel ...............................49
4.7.2 Pengujian Hipotesis .....................................................49
BAB V KESIMPULAN DAN SARAN ...............................................51
5.1 Kesimpulan ...................................................................51
5.2 Saran ............................................................................52
DAFTAR PUSTAKA...........................................................................55
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