Analisis Komparatif Kinerja Keuangan Perbankan Syariah Di Indonesia Dan Malaysia Dengan Pendekatan Metode CAMEL Periode 2014-2018
DOI:
https://doi.org/10.30651/jms.v5i2.5471Abstract
Indonesia merupakan negara di ASEAN dengan populasi Muslim terbesar, hal ini seharusnya menjadikan Indonesia sebagai sentral perkembangan perbankan syariah. Meskipun potensi Indonesia sangat besar, pada kenyataanya dalam perkembangan perbankan syariah Indonesia masih tertinggal dibandingkan negara tetangga yaitu Malaysia. Berdasarkan hal ini, peneliti melakukan penelitian yang bertujuan untuk membandingkan kinerja keuangan perbankan syariah Indonesia dan Malaysia dengan metode CAMEL pada periode 2014-2018. Penilaian dalam metode CAMEL berdasarkan analisis rasio pada laporan keuangan, ada lima dimensi dalam pendekatan ini yaitu Capital Adequacy (CAR), Asset Quality (NPF),Management Quality (NPM), Earnings (ROA, BOPO), dan Liquidity (FDR). Analisis selanjutnya melakukan uji statistik dan uji beda t-test untuk mengetahui apakah ada perbedaan atau tidak antara kinerja keuangan syariah Indonesia dan Malaysia. Hasil penelitian menunjukan tidak terdapat perbedaan yang menonjol pada tingkat kesehatan perbankan syariah di Indonesia dan Malaysia dilihat dari peringkatan rata-rata keenam rasio selama lima tahun berturut-turut dengan metode CAMEL. Akan tetapi, dari hasil analisis data dengan uji Independent t-test tiga variabel yaitu (NPF, NPM, BOPO) menunjukan perbedaan yang signifikan, sedangkan variabel (CAR, ROA, dan FDR) tidak terdapat perbedaan yang signifikan antara perbankan Indonesia dan Malaysia.Downloads
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