PERBANDINGAN KINERJA KEUANGAN BANK UMUM SYARIAH DAN BANK UMUM KONVENSIONAL DI INDONESIA PADA PERIODE 2011-2016

The purpose of this study is to compare the financial performance of Islamic Commercial Banks with the financial performance of Conventional Commercial Banks in Indonesia using the CAR, FDR / LDR, NOM / NIM, and ROA ratios. This study is a secondary research, where all required data are taken from official website of each bank. The sampling technique in this study uses purposive sampling. Then, a feasible used sample is 6, namely Islamic Commercial Banks (Bank Mandiri Syariah, Bank Muamalat Indonesia, BRI Syariah) and Conventional Commercial Banks (BRI, Bank Mandiri, BCA). Comparison of ratios was analyzed using Independent Sample T-Test on SPSS 22. The results of the study using statistical tests show that there are significant differences between Islamic Commercial Banks and Conventional Commercial Banks in Indonesia, namely the ratio of FDR / LDR, NOM / NIM, and ROA, whereas in the CAR ratio there is no significant difference between Islamic Commercial Banks and Conventional Commercial Banks. The results of research by looking at financial performance indicate that the financial performance of Conventional Commercial Banks is better than Islamic Commercial Banks