Comparison Model Business, Stabilization, And Finance Performance Of Sharia Commercial Bank And Conventional Commercial Bank In Indonesia In 2012-2016 Dina Fitrisia Septiarini (a*) , Yanani Mutiara Dewi (b)
a) Department of Sharia Economics-Faculty of Economics and Business-Airlangga University, Jl. Airlangga No. 4 - 6 , Surabaya 60115, Indonesia
b) College Student of Islamic Economics Program-Faculty of Economics and Business-Airlangga University, Jl. Airlangga No. 4 - 6, Surabaya 60115, Indonesia
Abstract
The aim of study was determine the difference in business model, banking stability, and financial performance of Islamic banks and conventional banks around period 2012-2016. This study used quantitative research method. This research used three Islamic banks and six conventional banks which have commercial banking business model type as a sample, the analyzed by comparative analysis test using Independent Sample t-test and Mann Whitney test.
The comparative analysis result in business model showed that there are differences in secondary banking, that is fee based income, while there showed no differences in primary banking, that are third-party fund ratio and financing to deposit ratio. There was showed no difference in banking stability measured using z-score. There was no difference in financial performance measured using net profit margin.
Keywords: business model, banking stability, financial performance, commercial banking
