A Comparative Study on Financial Performance between Islamic and Conventional Banking in Indonesia During the COVID-19 Pandemic
| Autor: | Mochammad Ilyas Junjunan, Ajeng Tita Nawangsari, Arta Agustin Melania, Agus Purnomo Ahmad Putikadyanto |
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| Rok vydání: | 2022 |
| Předmět: | |
| Zdroj: | Muqtasid: Jurnal Ekonomi dan Perbankan Syariah. 12:75-88 |
| ISSN: | 2527-8304 2087-7013 |
| DOI: | 10.18326/muqtasid.v12i2.75-88 |
| Popis: | The COVID-19 pandemic has had an impact on all aspects of life, including Indonesian banking. Furthermore, there has been a rapid growth of both Islamic and conventional banking industries. Therefore, this study aims to analyze the differences in the financial ratios of capital adequacy ratio, non-performing loans/non-performing financing, return on asset, return on equity, operating expense to operating income, as well as loan to deposit ratio/financing todeposit ratio of Islamic and conventional banking during the COVID-19 pandemic. Acomparative analysis method was used with a quantitative approach, and data analysis was carried out using the independent sample t-test and the Mann-Whitney rank test. The results showed that during the COVID-19 pandemic, there were significant differences in the financial performance ratios of capital adequacy ratio, non-performing loans/non-performing financing, return on asset, return on equity, operating expense to operating income, and loan to deposit ratio/financing to deposit ratio for both Islamic and conventional banking. Moreover, conventional banking tends to have better financial performance compared to Islamic bankingduring the COVID-19 pandemic. The implication of this study is that the public can find out the financial position of both Islamic and conventional banks and make comparisons to ascertain which one has a better financial position in times of crisis. |
| Databáze: | OpenAIRE |
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