Analisis Perbandingan Kinerja Investasi Perbankan Syariah dan Konvensional di Indonesia
- Nayla Putri Hasibuan STAIN Mandailing Natal, Panyabungan, Indonesia
- Paisal Rahmat STAIN Mandailing Natal, Panyabungan, Indonesia
- Risky Hamonangan STAIN Mandailing Natal, Panyabungan, Indonesia
-
Purnama Zein Nasution
*
STAIN Mandailing Natal, Panyabungan,
Indonesia
(*) Corresponding Author
Abstract
nvestment performance is an important indicator in assessing the efficiency, effectiveness, and profitability of banking institutions, especially in comparing conventional and sharia systems that have different operational characteristics. This comparative quantitative research aims to analyze and compare the investment performance of conventional and sharia banking in Indonesia using Bank Rakyat Indonesia (BRI) and Bank Syariah Indonesia (BSI) as representatives of each system. Investment performance is evaluated through Return on Assets (ROA) and Return on Equity (ROE) indicators. This study uses quarterly financial report data for the 2020–2025 period obtained from official bank reports and publications of the Financial Services Authority (OJK). Data analysis techniques include descriptive statistics, normality tests, and hypothesis testing using the Independent Sample t-Test with SPSS. The results show that the average ROA and ROE values of conventional banks tend to be higher than those of sharia banks. However, the Independent Sample t-Test produces a Sig. (2-tailed) value of 0.896 for ROA and 0.914 for ROE. Since this value is greater than the 0.05 significance level, it is concluded that there is no statistically significant difference between the investment performance of Islamic banking and conventional banking. This finding indicates that both banking systems have comparable capabilities in generating profitability and managing investments. The contribution of this study lies in providing the latest empirical evidence regarding the comparative investment performance of BSI and BRI post-merger during the 2020–2025 period, thereby enriching the literature on the competitiveness of Islamic and conventional banking and providing a reference for investors and bank management in making investment decisions and business strategies.
Downloads
References
Achmad Fauzia, D. (2023). Studi literatur: analisis perbandingan kinerja keuangan perbankan konvensional dan perbankan syariah di indonesia. Jurnal Akuntansi Dan Manajemen Bisnis, 3(1), 46–55. https://doi.org/10.21154/invest.v2i1.3663
Cisi Kuniami Citri, dkk. (2024). Kepatuhan Syariah Dan Kinerja Keuangan : Analisis Perbandingan Dari Dana Investasi Syariah Dan Konvensional. Cisi Kuniami Citri1, Dkk, 2(2), 255–262. https://doi.org/10.61994/econis.v2i2.502
Dr. Tona Aurora Lubis, SE., M. (2016). Manajemen Investasi dan Perilaku Keuangan. https://repository.unja.ac.id/10151/1/Manajemen Investasi dan Perilaku Keuangan.pdf
Eka, A., Putri, S., Wahyuni, S., Santoso, S. B., Azizah, S. N., Konvensional, P., & Syariah, P. (2023). Analisis Perbandingan Kinerja Keuangan Perbankan Konvensional Dan Perbankan Syariah Pada Masa Pandemi Covid-19. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 8(1), 570–587. https://doi.org/http://dx.doi.org/10.30651/jms.v8i1.18138
Evi Nailul Mufidah, Dhuwik Iffuk, K. F. H. (2020). Perbandingan Kinerja Reksadana Saham Syariah dan Konvensional (Pada 10 Reksadana Di BEI Tahun 2017-2019). Journal of Islamic Finance and Accounting, 3(2). https://doi.org/10.22515/jifa.v3i2.2507
Gina Putri Awaliah, Oka Barokah, L. (2025). Analisis Perbandingan Kinerja Keuangan Bank Syariah dan Bank Salah satu rintangan utama dalam pengembangan sektor perbankan syariah di menguntungkan dan efisiensinya masih di bawah bank konvensional . Pandangan ini. Jurnal Bisnis, Ekonomi Syariah, Dan Pajak, 2(2), 264–274.
Hanafi, M. M. (2025). Perbandingan Kinerja Investasi Syariah Dan Konvensional : Studi Pada Jakarta Islamic Index ( JII ) Dan Indeks LQ45. Jurnal Ekonomi Dan Bisnis Islam |, 7(1), 16–27. https://digilib.uin-suka.ac.id/id/eprint/51866/
Indonesia, B. E. (2026). Bursa Efek Indonesia. https://www.idx.id/
Indonesia, B. S. (2026). Bank Syariah Indonesia. https://www.bankbsi.co.id/
Irsyad, M. (2023). Perbandingan Perbankan Konvensional Dan Syariah ( Studi Mengenai Perbedaan ). IURIS STUDIA: Jurnal Kajian Hukum, 4(2), 65–71.
Islami, S. I., & Giosefi, M. (2024). Reksa Dana Konvensional Dan Reksa Dana Syariah. Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory, 2(2), 1037–1042. https://doi.org/10.62976/ijijel.v2i2.595
Juhura. (2024). Analisis Perbandingan Kinerja Keuangan Perbankan Syariah dan Perbankan Konvensional di Indonesia. Taswiq: Jurnal Ekonomi Syariah, 1(2), 53–59. https://doi.org/10.35905/taswiq.v1i2.10852
Karunia, R., Nufus, R. T., Sari, T. A., Azzahra, H. S., Rahma, A., Realita, P., Sari, M. U., Satria, M. P., & Putri, A. R. (2025). Analisis Perbedaan Kinerja Bank Syariah dan Bank Konvensional. Jurnal Inovasi Ekonomi Syariah Dan Akuntansi, 2(September), 83–92. https://doi.org/10.61132/jiesa.v2i6.1711
Kasmir. (2021). Analisis Laporan Keuangan. RajaGrafindo Persada.
Miftahuddin. (2023). Perbandingan Konsep Keuangan pada Bank Syariah dan Bank Konvensional. Journal of Education, Humaniora and Social Sciences (JEHSS), 2(2), 213–228. https://doi.org/10.34007/jehss.v2i2.86
Mukhyi, M. A. (2023). Metodologi Penelitian Panduan Praktis Penelitian Yang Efektif.
Perkasa, D. S. D. (2024). Pengaruh ROA, NPM, DER, inflasi, suku bunga, dan nilai kurs terhadap harga saham pada perusahaan perbankan yang terdaftar pada Bursa Efek Indonesia periode 2019–2022. Jurnal Manajemen Pratama, 3(1).
Saputra, N. (2021). Metodologi penelitian kuantitatif (N. Saputra (ed.)).
Sarnita, Mustika, H. T. (2025). Studi Komparatif Kinerja Keuangan Bank Syariah dan Konvensional Jambi. Jurnal Ekonomi, Akuntansi, Dan Perpajakan, 2(4), 12–22. https://doi.org/https://doi.org/10.61132/jeap.v2i4.1392
Setiawan, B. (2024). Perbandingan Kinerja Pasar Modal Syariah Dan Konvensional : Suatu Kajian Empiris Pada Pasar Modal Indonesia. Jurnal Ilmiah Ekonomi Global Masa Kini, 8(01).
Sobarna, N. (2021). Eco-Iqtishodi Analisis Perbedaan Perbankan Syariah Dengan Perbankan Konvensional. Eco-Iqtishodi, 3(10), 51–62. https://doi.org/10.32670/0h9qsa39
Syafrida, I., Aminah, I., & Waluyo, B. (2014). Perbandingan Kinerja Instrumen Investasi Berbasis Syariah Dengan Konvensional Pada Pasar Modal Di Indonesia. Al-Iqtishad, 6(2), 195–206.
Wahyuni, M., & Efriza, R. E. (2017). Analisis Perbandingan Kinerja Keuangan Bank Syariah Dengan Bank Konvensional di Indonesia. International Journal of Social Science and Business, 1(2), 66–74. https://doi.org/10.37479/jimb.v7i1.25118
Wulandari, K., Maelani, L., Agustin, S. D., Januari, S. P., Derina, S., Doris, T., Duwith, G., & Ramadhan, R. (2024). Analisis Perbandingan Kinerja Keuangan Bank Konvensional dan Bank Syariah Periode 2023. Jurnal Multidisiplin West Science, 03(10), 1538–1548. https://doi.org/10.58812/jmws.v3i10.1437
Bila bermanfaat silahkan share artikel ini
Berikan Komentar Anda terhadap artikel Analisis Perbandingan Kinerja Investasi Perbankan Syariah dan Konvensional di Indonesia
Pages: 1192-1203
Copyright (c) 2026 Nayla Putri Hasibuan, Paisal Rahmat, Risky Hamonangan, Purnama Zein Nasution
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (Refer to The Effect of Open Access).
