NOVIANA, FRANSISKA ANASTASIA (2020) PERBEDAAN KINERJA BANK PERKREDITAN RAKYAT DAN BANK PEMBIAYAAN RAKYAT SYARIAH. S1 thesis, Universitas Mercu Buana Jakarta.
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Abstract
This study aims to analyze and see better financial statements between the Sharia Rural Bank and the Conventional People's Credit Bank using the financial ratio method. The company's financial performance is the achievement achieved by the company in a certain period that reflects the level of company health in this study using descriptive methods. The population in this study is the Syariah People's Credit Bank and Conventional People's Credit Bank in Indonesia. The sampling method uses the census method. In this study using secondary data sources taken through the website of Bank Indonesia and the Financial Services Authority. The results of the analysis are based on the Independent Statistical Test where comparing two averages of two unrelated groups for interconnected variables. There is a significant difference between financial performance between BPR Syariah and Conventional BPR. That is the financial performance of Conventional Rural Banks is higher than Sharia Rural Banks. Keywords: BPR, BPRS, financial performance, conventional banking, Islamic banking. Penelitian ini bertujuan untuk menganalisis perbandingan dan melihat manakah kinerja keuangan yang lebih baik antatra Bank Perkreditan Rakyat Syariah dan Bank Perkreditan Rakyat Konvensional dengan menggunakan metode rasio keuangan. Kinerja keuangan perusahaan merupakan prestasi yang dicapai perusahaan dalam suatu periode tertentu yang mencerminkan tingkat kesehatan perusahaan tersebut Dalam penelitian ini menggunakan metode deskriptif. Populasi dalam penelitian ini adalah Bank Perkreditan Rakyat Syariah dan Bank Perkreditan Rakyat Konvensional di Indonesia. Metode pengambilan sampel menggunakan metode sensus. Dalam penelitian ini menggunakan sumber data sekunder yang diambil melalui website Bank Indonesia dan Otoritas Jasa Keuangan. Hasil analisis didasarkan pada Uji statistik Independen dimana membandingkan dua rata-rata dua grup yang tidak berhubungan untuk variabel yang saling berhubungan. Ada perbandingan signifikan dari kinerja keuangan antara BPR Syariah dan BPR Konvensional. Yaitu kinerja keuangan BPR Konvensional lebih tinggi daripada BPR Syariah. Keywords: BPR, BPRS, kinerja keuangan, perbankan konvensional, perbankan syariah.
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