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"Penelitian ini bertujuan untuk membuktikan secara empiris tentang kinerja suatu perusahaan yang dilihat dari segi efisiensi pada perbankan syariah dan perbankan konvensional di Indonesia. Tingkat efisiensi perusahaan ditentukan berdasarkan ukuran efisiensi ekonomi yang berasal dari produktivitas total dan produktivitas parsial seperti produktivitas tenaga kerja, giro, tabungan, deposito, dan kapital. Adapun jangka waktu pengukuran indeks efisiensi perusahaan dilakukan secara tiga periode yaitu dari tahun 2004 sampai dengan tahun 2006. Pengujian hipotesis dalam penelitian ini menggunakan model analisis independent sample t test yaitu uji-t dan indikator rasio. Data yang digunakan bersumber dari laporan keuangan masing-masing bank yang diperoleh dari internet dan publikasi bank Indonesia. Hasil pengujian analisis variansi yang diolah dengan menggunakan model independent sample t test berdasarkan pengukuran efisiensi ekonomi menunjukkan bahwa dari enam variabel indeks efisiensi ekonomi, terdapat tiga variabel yang diukur berdasarkan produktivitas parsial dan total, yaitu indeks produktivitas tabungan, indeks produktivitas deposito, dan indeks produktivitas total masukan, yang berbeda secara signifikan antara tingkat efisiensi perbankan syariah dan perbankan konvensional. Ketiga indeks produktivitas ini menunjukkan bahwa tingkat efisiensi perbankan konvensional lebih tinggi daripada perbankan syariah. Sedangkan perhitungan pada indikator rasio keuangan bertujuan sama seperti perhitungan pada independent sample t test yaitu hendak melihat seberapa besarkah nilai efisiensi dari masing-masing bank yang diteliti.

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This research empirically aims to prove the work of company which seen by efficiency for Islamic and conventional bank in Indonesia. Level of company efficiency is determined by economic efficient measurement that come from total productivity and partial productivity such as labor productivity, clearing account, saving account and capital. Meanwhile the period of measuring company efficiency index is done for three period, they are from 2004 until 2006. Testing hypothesis in this research uses t test independent analysis model which is t-test and ratio indicator. The used data sources from each bank financial report that achieved by internet and Indonesia Bank publication. Testing result of variance analysis which run by t test independent analysis model base on measuring economical efficiency shows that from six variables of it, there are three measured variables base on partial and total productivity, they are saving productivity index, deposit productivity index, and total input productivity index, which is different significantly between efficiency level of sharia banking and conventional banking. These three productivity index shows that level of efficiency in conventional banking is higher than sharia banking. While measuring on financial ratio indicator have same purpose like measuring on independent sample t test which is to see how big the efficiency value of sample bank."

"Terdapat perbedaan mencolok namun denga pola yang sama, antara tingkat NPL bank konvensional dan NPF bank syariah di Indonesia, khususnya pada kurun waktu 2001 sampai dengan awal 2007. Oleh karena itu, untuk membandingkan faktor penyebab NPL dan NPF, maka diambil variabel umum perbankan, antara lain : Pertumbuhan Gross Domestic Product (GDP), inflasi, Sertifikat Bank Indonesia (SBI)/ Sertifikat Wadiah Bank Indonesia (SWBI), pertumbuhan kredit/ pembiayaan, serta Loan to Deposit Ratio (LDR)/ Financing Deposit Ratio (FDR). Penelitian ini menggunakan analisis Impulse Response Function dan analisis regresi majemuk dengan mempertimbangkan faktor lag, sehingga diperoleh variabe variabel yang signifikan mempengaruhi pergerakan NPL maupun NPF perbankan Indonesia.Hasil penelitian menunjukkan bahwa NPL lebih cepat memberikan respon terhadap shock pertumbuhan GDP dibandingkan NPF, serta faktor-faktor yang mempengaruhi NPL adalah pertumbuhan GDP pada 4 quarter sebelumnya, inflasi, LDR dan perubahan SBI. Sedangkan pada bank syariah, faktor yang mempengaruhi NPF adalah pertumbuhan GDP 4 quarter sebelum dan inflasi pada 3 quarter sebelumnya.

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There are some great differences -with the same pattern- between Non Performing Loan (NPL) level of conventional bank and Non Performing Financing (NPF) level of sharia bank in Indonesia, especially during year 2001 until early 2007. For that reason, to compare the factors causing NPL and NPF, ones need to take into account general economic variables such as: growth of GDP, inflation rate, Certificate of Bank Indonesia (SBI)/ Wadiah Certificate of Bank Indonesia (SWBI), credit growth and Loan to Deposit Ratio (LDR)/ Financing Deposit Ratio (FDR). Impulse Response Function and multiple regression analysis are used in this research by considering the lag factor to obtain significant variables affecting the NPL and NPF movements/variations of Indonesia banking industry.The research showed that NPL responded quickly to shock growth of the GDP compared to that of the NPF. Key factors that affect the NPL are previous four-quarter GDP Growth, inflation rate, LDR and rate changes in the SBI. On the other hand, key factors that affect the NPF in Sharia Banks are the previous four quarter GDP Growth and the previous three quarter inflation rate variations."

"ABSTRAKPenelitian ini bertujuan untuk mengetahui tingkat efisiensi perbankan syariah dan konvensional pada periode sebelum dan setelah krisis serta mengetahui faktor yang mempengaruhi tingkat efisiensi selama periode penelitian. Dengan menggunakan metode Data Envelopment Analysis (DEA), secara signifikan perbankan konvensional lebih efisien daripada perbankan syariah, baik sebelum maupun setelah krisis. Selanjutnya ditemukan juga bahwa pada perbankan syariah, ukuran bank, permodalan, dan tingkat risiko kredit secara signifikan mempengaruhi Overall Technical Efficiency (OTE). Sedangkan Pure Technical Efficiency (PTE) dipengaruhi oleh profitabilitas, ukuran bank, dan permodalan, sementara Scale Efficiency (SE) hanya dipengaruhi oleh ukuran bank dan risiko kredit. Pada perbankan konvensional Overall Technical Efficiency (OTE) secara signifikan dipengaruhi oleh permodalan dan likuiditas. Selanjutnya Pure Technical Efficiency (PTE) dipengaruhi oleh tingkat profitabilitas, risiko kredit, dan likuiditas, sementara itu Scale Efficiency (SE) dipengaruhi oleh permodalan dan likuiditas.

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ABSTRACTThis study aims to compare the efficiency of Islamic banks with conventional banks before and after global financial crisis and to know the determinants of the efficiency. By using Data Envelopment Analysis (DEA) method, the study finds that conventional banks are more efficient than Islamic banks over the observation periods. In addition, this study also finds that bank size, capitalization, and credit risk of Islamic banks are significantly influence Overall Technical Efficiency (OTE). Meanwhile Pure Technical Efficiency (PTE) is influenced by profitability, bank size, and capitalization. Scale Efficiency (SE) is influenced by bank size and credit risk. On the other hand, conventional banks? Overall Technical Efficiency (OTE) is significantly influenced by capitalization and liquidity. Furthermore, Pure Technical Efficiency (PTE) is influenced by profitability, credit risk, and liquidity. Scale Efficiency (SE) is influenced by capitalization and liquidity."

"Penelitian ini bertujuan menganalisis terjadinya perbedaan faktor-faktor yang mempengaruhi pembiayaan bermasalah pada perbankan syariah dan perbankan konvensional. Variabel-variabel yang dianalisis dalam penelitian ini meliputi faktor makroekonomi dan karakteristik keuangan bank pada masing-masing kelompok perbankan. Variabel makroekonomi yang dianalisis adalah growth GDP riil dan tingkat suku bunga riil, sedangkan variabel karakteristik keuangan bank adalah growth financing rate, pertumbuhan dana pihak ketiga (DPK) dan market share kelompok perbankan. Dengan menggunakan model Autoregressive dan Distributed Lag pada analisis regresi, diharapkan faktor-faktor makroekonomi dan karakteristik keuangan perbankan dapat diketahui pengaruhnya terhadap pembiayaan bermasalah pada periode waktu yang akan datang."

"Positive correlation between concentration and profitability is not always a result of collusion. Market concentration can be a proxy efficiency and product differentiation that have done by company. The company that can be mentioned efficient and have done product diferentiation can improve market share, and industry that consist of the company has tendency to be concentrated.

This research tries to prove whether market share and concentration in Islamic and conventional banking industry as proxy to efficiency. If it is proven, so there is no relationship between market share and concentration with profitability. It is appropriate with efficient structure hypothesis.

Using separated pooled data for Islamic and conventional banking industry at period January 2002 until November 2005. This research use adjusted Smirlock mode! with fired eject method. By this research, it is expected that Islamic banking industry support efficient structure hypothesis, and conventional banking industry support diferentiation hypothesis."

"Positive correlation between concentration and profitability is not always a result of collusion. Market concentration can be a proxyfor efficiency and product differentiation that have done by company. The company that can be mentioned efficient and have done product differentiation can improve market share, and industry that consist of the company has tendency to be concentrated.This research tries to prove whether market share and concentration in Islamic and conventional banking industry as proxy to efficient. If it is proven, so there is no relationship between market share and concentration with profitability. it is appropriate with efficient structure hypothesis.Using pool data for Islamic and conventional banking industiy at period January 2002 until November 2005. Model that had been used in this research is adjusted Smirlock model with fixed effect method From this research, is hoped that Islamic banking industry can support efficient structure hypothesis, moreover conventional banking industry can support differentiation hypothesis."

"Guncangan ekonomi (economic shocks) akan memberikan tekanan pada kondisi ekonomi makro yang pada akhirnya akan berdampak pada sektor keuangan, dan secara signifikan memengaruhi profitabilitas Perbankan. Dalam satu dekade terakhir, guncangan ekonomi yang sangat memengaruhi kinerja Perbankan adalah Pandemi Covid-19. Penelitian ini bertujuan untuk menganalisis perbandingan profitabilitas Bank Syariah dan Bank Konvensional selama menghadapi guncangan ekonomi dampak Pandemi Covid-19 dan perbandingan pemulihan kinerja Bank Syariah dan Bank Konvensional pasca dampak guncangan Pandemi Covid-19 menurun. Desain penelitian adalah kuantitatif dan kualitatif deskriptif, dengan pengujian data menggunakan analisis regresi data panel. Penelitian menggunakan data keuangan triwulanan 13 Bank Umum Syariah dan 85 Bank Umum Konvensional di Indonesia dengan periode pengamatan yang dibagi menjadi 2 yaitu periode selama terjadinya guncangan ekonomi (periode Pandemi Covid-19) yaitu Q1-2020 sampai dengan Q4-2021 dan periode setelah guncangan ekonomi menurun (periode recovery) yaitu Q1-2022 sampai dengan Q4-2023. Profitabilitas Bank diukur menggunakan ROA sebagai variabel dependen, dengan variabel independen yang mempengaruhi ROA adalah BOPO, NPL/NPF, LAR/FAR, LDR/FDR, AL/DPK dan CAR. Hasil penelitian menunjukkan bahwa Bank Syariah memiliki profitabilitas yang lebih tinggi dibanding Bank Konvensional baik selama periode Pandemi Covid-19 maupun periode recovery, namun pada periode recovery Bank Konvensional menunjukkan pemulihan yang lebih cepat dari dampak Pandemi Covid-19.

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Economic shocks will put pressure on macroeconomic conditions which in turn will impact the financial sector, and significantly affect banking profitability. In the last decade, the economic shock that greatly affected banking performance was the Covid-19 pandemic. This study aims to analyze the comparison of the profitability of Islamic Banks and Conventional Banks during the economic shocks caused by the Covid-19 Pandemic and the comparison of the performance recovery of Islamic Banks and Conventional Banks after the impact of the Covid-19 Pandemic shock decreased. The research design is quantitative and qualitative descriptive, with data testing using panel data regression analysis. The research was conducted using quarterly financial data from 13 Islamic Commercial Banks and 85 Conventional Commercial Banks in Indonesia with an observation period divided into 2, namely the period during the economic shock (Covid-19 Pandemic period), namely Q1-2020 to Q4-2021 and the period after the economic shock decreased (recovery period), namely Q1-2022 to Q4-2023. Bank profitability is measured using ROA as the dependent variable, with the independent variables that affect ROA being BOPO, NPL/NPF, LAR/FAR, LDR/FDR, AL/DPK and CAR. The results showed that Islamic Banks had higher profitability than Conventional Banks both during the Covid-19 Pandemic period and the recovery period, but in the recovery period Conventional Banks showed a faster recovery from the impact of the Covid-19 Pandemic."

"Penelitian ini bertujuan untuk membandingkan tingkat stabilitas perbankan syariah dengan perbankan konvensional di Indonesia dengan menggunakan sampel 11 bank umum syariah dan 11 bank umum konvensional. Data sekunder triwulanan digunakan dalam periode pengamatan mulai tahun 2011-2013 dengan menggunakan regresi data panel. Hasil penelitian menjelaskan bahwa terdapat beberapa faktor, baik dari faktor internal perbankan yang meliputi laba sebelum pajak, rasio kredit terhadap total aset, rasio cadangan kerugian terhadap total pembiayaan, rasio beban operasional terhadap pendapatan opersional dan faktor makro ekonomi yang meliputi tingkat nilai tukar rupiah terhadap USD, BI Rate, dan pertumbuhan GDP berpengaruh signifikan terhadap stabilitas keuangan perbankan syariah dan konvensional dengan kesimpulan akhir bahwa tingkat stabilitas keuangan perbankan syariah masih lebih rendah jika dibandingkan perbankan konvensional.

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The purpose of this study was to compare the stability of Islamic and conventional banking in Indonesia by using 11 Islamic banks and 11 conventional banks as samples. The secondary data used in the quarterly observation with beginning period 2011-2013, using panel data regression. The results of the study explained that there are several factors, both internal banks factors consist of banking profit before tax, credits to total assets ratio, the ratio of loss reserves to total financing, the ratio of operating expenses to revenues operational and macroeconomic factors include the level of the exchange rate against the USD BI Rate, and GDP growth are significantly influence the financial stability of Islamic and conventional banking where the conclusion indicate that the level of financial stability of Islamic banking is still lower than conventional banking."