DAFTAR ISI

Halaman

PENGESAHAN SKRIPSI.................................................................................. i

PERNYATAAN ORISINALITAS SKRIPSI.................................................... ii

BERITA ACARA SIDANG SKRIPSI............................................................... iii

KATA PENGANTAR......................................................................................... iv

ABSTRACT ........................................................................................................ vi

ABSTRAK ........................................................................................................... vii

DAFTAR ISI........................................................................................................ ix

DAFTAR TABEL................................................................................................ xiii

DAFTAR GAMBAR........................................................................................... xiv

DAFTAR LAMPIRAN....................................................................................... xv

BAB I PENDAHULUAN

1.1. Latar Belakang Masalah..................................................................... 1

1.2.Rumusan Masalah............................................................................... 6

1.3. Tujuan Penelitian................................................................................ 7

1.4. Manfaat Penelitian.............................................................................. 8

1.5. Sistematika Penulisan......................................................................... 8

BAB II LANDASAN TEORI

2.1. Landasan Teori .................................................................................. 10

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2.1.1 Pengertian dan jenis-jenis bank ................................................ 10

2.1.2 Bank konvensional

...................................................................................................

...................................................................................................

11

2.1.2.1 Jenis Sumber Dana Bank Konvensional........................ 11

2.1.3 Jenis sumber dana bank syari’ah

16

2.1.4 Laporan Keuangan

19

2.1.5. Pengertian dan jenis-jenis rasio keuangan

24

2.1.6. Jenis-jenis rasio keuangan bank

25

2.1.7. Analisis rasio keuangan

28

2.1.8. Unsur-unsur neraca bank

28

2.1.9. Unsur-unsur laba rugi

29

2.1.10. Perbedaan bank umum konvensional dengan bank umum

syariah

x
 30

2.2. Penelitian Terdahulu........................................................................... 31

2.3. Kerangka Konseptual......................................................................... 32

2.4. Hipotesis............................................................................................. 32

BAB III METODOLOGI PENELITIAN

3.1. Jenis Penelitian................................................................................... 34

3.2. Objek Penelitian................................................................................. 34

3.3. Populasi dan Sampel........................................................................... 34

3.4. Jenis Data dan Sumber Data............................................................... 35

3.5. Teknik Pengumpulan Data................................................................. 36

3.6. Teknik Analisis Data

3.6.1. Uji Normalitas........................................................................... 36

3.6.2. Analisis rasio keuangan............................................................. 37

3.6.3. Uji Beda Dua Rata-rata (Independent Sample T-Test).............. 37

3.7. Defenisi Operasional Variabel........................................................... 38

BAB IV HASIL PENELITIAN DAN PEMBAHASAN

4.1. Gambaran umum bank konvensional dengan bank syariah

4.1.1 Gambaran umum bank konvensional........................................ 40

4.1.2 Gambaran umum bank syariah.................................................. 43

4.1.3 Struktur Organisasi Desa........................................................... 39

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 4.2. Analisis

4.2.1. Analisis rasio keuangan............................................................. 47

4.2.2. Uji normalitas data.................................................................... 51

4.2.3. Uji beda dua rata-rata (independent sample t-test).................... 52

4.2.4. Perbandingan rata-rata keuangan bank konvensional dengan bank

syariah........................................................................................ 56

BAB V KESIMPULAN DAN SARAN

5.1. Kesimpulan............................................................................... 61

5.2. Saran.......................................................................................... 61

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DAFTAR PUSTAKA..........................................................................................

LAMPIRAN

xiii
 DAFTAR TABEL

Halaman

Tabel 1.1 Pertumbuhan asset Perbankan syariah dan perbankan konvensional ... 3

Tabel 2.1 Prinsip Produk Dana.............................................................................. 16

Tabel 2.2 Perbedaan bank konvensional dengan bank syari’ah............................ 30

Tabel 2.3 penelitian Terdahulu.............................................................................. 31

Tabel 3.1 Operasional Variabel............................................................................. 38

Tabel 4.1 Kinerja Keuangan Bank Konvensional................................................. 47

Tabel 4.2 Kinerja Keuangan Bank Syariah........................................................... 49

Tabel 4.3 Uji Normalitas....................................................................................... 51

Tabel 4.4 Uji Beda Dua Rata-rata (Independent Sample T-Test) Bank Konvensional

dan Bank Syariah................................................................................... 42

Tabel 4.5 Perbandingan rata-rata CAR bank konvensional dengan bank syariah

............................................................................................................... 56

Tabel 4.6 Perbandingan rata-rata NPL bank konvensional dengan bank syariah.. 57

Tabel 4.7 Perbandingan rata-rata ROA bank konvensional dengan bank syariah
............................................................................................................... 58

Tabel 4.8 Perbandingan rata-rata BOPO bank konvensional dengan bank syariah

............................................................................................................... 58
Tabel 4.9 Perbandingan rata-rata NPL bank konvensional dengan bank syariah.. 59

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 DAFTAR GAMBAR

Halaman

Gambar 2.1 Kerangka Konseptual........................................................................ 32

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 DAFTAR LAMPIRAN

Lampiran 1 Daftar Konsultasi

Lampiran 2 Daftar Riwayat Hidup

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