Comparison Of The Health Level Of Sharia Banking With Conventional Banking Before And During The Covid-19 Pandemic In Indonesia With The Risk Based Bank Rating Method Approach
DOI:
https://doi.org/10.21274/td0cex40Keywords:
Sharia Commercial Bank, Conventional Commercial Bank, Covid-19 Pandemic, Health Level, Risk Based RatingAbstract
This study examines and presents a comparison model of the health level of Islamic banking with conventional banking before and during the Covid-19 pandemic in Indonesia with a risk-based bank rating method approach (Empirical Study on Commercial Banks Registered with OJK. This study used paired sample t-test analysis using time series data. The data obtained are 10 Islamic banking companies and 10 conventional banking companies registered at OJK in 2018 - 2021 using the purposive sampling method. The results of this study show that there is no significant difference in the value of NPF/NPL, ROA, CAR, GCG in 2018 and 2019, ROA, CAR in 2020, NPF/NPL, ROA, and CAR in 2021 between Sharia Commercial Banks and NPLs of Conventional Commercial Banks. Meanwhile, NPF/NPL, GCG in 2020 and GCG in 2021 there are significant differences between Sharia Commercial Banks and Conventional Commercial Banks. The implications of this research suggest that while both sectors maintain comparable capital resilience, conventional banks exhibit superior consistency in corporate governance and asset risk management during crises. These findings emphasize the importance of accelerating digitalization and strengthening operational efficiency for sharia banking to enhance future competitiveness and market reach.
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