ANALISIS PERBANDINGAN RISIKO LIKUIDITAS DAN RISIKO PENYALURAN DANA ANTARA BANK KONVENSIONAL DAN BANK SYARIAH (Studi Kasus Pada Perusahaan Perbankan Konvensional dan Syariah yang terdaftar di BEI Periode Tahun 2011-2016)

Abstract

ABSTRACT

 

The purposes of this research are: 1) To examine the level of ratio of liquidity risk and risk of fund disbursement between Conventional Bank and Sharia Bank. 2) To examine the level of liquidity risk and risk of fund disbursement between Conventional Bank and Sharia Bank. Liquidity risk is measured by using the LDR / FDR ratio, while the risk of fund disbursement is measured by the NPL / NPF ratio. This research uses 18 banks consisting of 9 Conventional Banks and 9 Sharia Banks as a sample.

The result of U Mann-Whitney test analysis shows that there is a significant difference between Conventional Bank and Sharia Bank in LDR / FDR ratio. While the ratio of NPL / NPF analysis results also shows that there is significant difference between those two banks.

 

Keywords : Liquidity Risk, Fund Disbursement Risk, Conventional Bank, Sharia Bank, LDR / FDR, NPL.NPF