BCA Syariah VS BCA Konvensional: Analisis Rasio BOPO dan ROA
Sari
Abstrak
This study was done to analyze the performance of the two types of banks along with the quick development of Islamic banks as they entered the market and started to compete with conventional banks. The ratios of two PT Bank Central Asia Tbk subsidiaries, conventional BCA and syariah BCA, which operate under distinct operating principles, are compared in this study using a comparative technique. The annual report of BCA provides information on financial ratios for the years 2018 through 2021 where ROA and BOPO ratios are used as research variables in this report. The results showed that there were visible differences in the BOPO ratio of syariah BCA and conventional BCA. BCA syariah BOPO ratios vary from 84% to 88%, while conventional BCA BOPO ratios range from 53% to 60% for the 2018-2021 period. The efficiency of syariah and conventional BCA will also improve in 2021, as shown by a decrease in the BOPO ratio from the previous year, followed by an increase in ROA due to net profit growth.
Kata Kunci: BOPO, Conventional BCA, Syariah BCA, ROA
Teks Lengkap:
PDFReferensi
Alam, A., Setyowati, E., Wiguna, A. C., & Nizam, R. S. (2022). Analysis of the Influence of BOPO, NIM and Inflation on the Profitability of Bank BRI Syariah in 2013-2020. Talaa : Journal of Islamic Finance, 2(1), 33–56. https://doi.org/10.54045/talaa.v2i1.505
Amalia, D., & Diana, N. (2022a). Pengaruh BOPO, CAR, dan FDR Terhadap Profitabilitas Bank Bukopin Syariah Periode 2013-2020. Jurnal Ilmiah Ekonomi Islam, 8(1), 1095. https://doi.org/10.29040/jiei.v8i1.4166
Amalia, D., & Diana, N. (2022b). Pengaruh BOPO, CAR, dan FDR Terhadap Profitabilitas Bank Bukopin Syariah Periode 2013-2020. Jurnal Ilmiah Ekonomi Islam, 8(1), 1095. https://doi.org/10.29040/jiei.v8i1.4166
Dwi Sari, M., Bahari, Z., & Hamat, Z. (2016). History of Islamic Bank in Indonesia: Issues Behind Its Establishment. International Journal of Finance and Banking Research, 2(5), 178. https://doi.org/10.11648/j.ijfbr.20160205.13
Firdausia, Y. K., & Syamsiah, S. (2022). Comparative Analysis of Financial Performance of Conventional Banking with Banking Sharia using the Camels Method Before and During the Economic Recession due to the Covid Pandemic. Business and Accounting Research (IJEBAR) Peer Reviewed-International Journal, 6(2), 1075–1084. https://jurnal.stie-aas.ac.id/index.php/IJEBAR
Hartini, T. (2016). Pengaruh Biaya Operasional dan Pendapatan Operasional (BOPO) terhadap Profitabilitas Bank Syariah Indonesia. I-Finance, 2(1), 20–34. www.bi.go.id]
Hasan, Z., & Muhardi, S. (2022). The Influence of Profit Sharing on Profitability in Islamic Banking (Case Study at Bank BCA Syariah in 2021). Sanskara Akuntansi Dan Keuangan, 01(01), 27–33.
Jannah, M. A. (2022). Comparative analysis of financial performance at Bank Syariah Indonesia and Bank BCA Syariah during the covid-19 pandemic. NUIEJ, 1(2). https://doi.org/10.34001/nuiej.v1i2.248
Johar, R. S., & Suhartanto, D. (2019). The Adoption of Online Internet Banking in Islamic Banking Industry. IOP Conference Series: Materials Science and Engineering, 662(3). https://doi.org/10.1088/1757-899X/662/3/032032
Nur Azizah, A., & Suria Manda, G. (2019). JEMPER(Jurnal Ekonomi Manajemen Perbankan) http://jurnal.usbypkp.ac.id/index.php/jemper Pengaruh CAR dan BOPO terhadap Return on Assets Bank Umum Syariah Tahun 2015-2019. http://jurnal.usbypkp.ac.id/index.php/jemper
Milennia, C. P., & Mesta, H. A. (2022). Comparative Analysis of the Financial Performance of Islamic and Conventional Banking Before and During the Covid-19 Pandemic. https://doi.org/10.24036/jk
Muhammad, R., & Nawawi, M. (2022). Kinerja Keuangan Bank Syariah di Indonesia Sebelum dan Selama Pandemi Covid-19. 3, 853.
Najib, M. I. A., & Iskandar, D. D. (2022). Efficiency Analysis of Sharia Commercial Banks (BUS) in Indonesia During 2015 – 2019. Journal of Islamic Economics Lariba, 8(1), 33–51. https://doi.org/10.20885/jielariba.vol8.iss1.art3
OMANKHANLEN, A. E. (2012). MThe Role of Banks in Capital Formation and Economic Growth: The Case of Nigeria. Academia, 15(1), 103–111. www.ugb.ro/etc
Putri, D. A. R., & Rachmawati, L. (2022). Analisis Tingkat Pertumbuhan Bank Syariah di Indonesia. Jurnal Ekonomika Dan Bisnis Islam, 5(1), 1–12. https://journal.unesa.ac.id/index.php/jei
Rahman, M. L., & Hasanul Banna, S. M. (2015). Liquidity Risk Management: A Comparative Study between Conventional and Islamic Banks in Bangladesh. JBT, 02, 20–35.
Silitonga, R. N., & Wirman. (2022). Perbandingan Pengaruh CAR dan BOPO terhadap ROA pads Bank Umum Konvensional dan Bank Umum Syariah periode 2016-2020. Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan Dan Akuntansi, 14(1), 12–21.
Siraj, K. K., & Pillai, P. S. (2012). Comparative Study on Performance of Islamic Banks and Conventional Banks in GCC region. Journal of Applied Finance & Banking, 2(3), 123–161.
Suhendro, D. (2018). Analisis Perbandingan Kinerja Keuangan Bank Umum Syariah VS Bank Umum Konvensional di Indonesia dengan Menggunakan Rasio Keuangan. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 3(1).
Syakhrun, M., Amin, A., & Anwar. (2019). Pengaruh CAR, BOPO, NPF dan FDR terhadap Profitabilitas pada Bank Umum Syariah Indonesia. Bongaya Journal of Research in Management, 2(1), 1–10. https://ojs.stiem-bongaya.ac.id/index.php/BJRM
Wahyuni, N. N. S., & Wimba, I. G. A. (2022). Analisis Komparatif Deskriptif Kinerja Bank Umum Syariah Dengan Bank Konvensional (Studi Pada Perbankan yang Terdaftar di Bursa Efek Indonesia). Jurnal Manajemen, Kewirausahaan Dan Pariwisata, 2(1), 21–32.
DOI: https://doi.org/10.37531/yum.v5i3.3208
Refbacks
- Saat ini tidak ada refbacks.
Ciptaan disebarluaskan di bawah Lisensi Creative Commons Atribusi-BerbagiSerupa 4.0 Internasional