Comparison Of Capital Structure, Profitability, And Third-Party Funds (DPK) Between Bank Bri And Bank Syariah Indonesia: A Comparative Analysis

Authors

  • Mahesa Dayanti Universitas Sumatera Utara, Indonesia

DOI:

https://doi.org/10.24256/kharaj.v6i1.4934

Keywords:

Capital Structure, Profitability, Third Party Funds (DPK), BRI Bank, BSI Bank, Comparison

Abstract

The banking sector plays a crucial role in the Indonesian economy, becoming the backbone that supports the country's economic growth and stability. In this dynamic landscape, two financial institutions stand out, namely Bank Rakyat Indonesia (BRI) as a representative of conventional banks, and Bank Syariah Indonesia (BSI) which is committed to Islamic financial principles. The purpose of this study is to determine the comparison of capital structure, profitability, and third party funds (DPK) between BRI banks and Indonesian Islamic banks. This research method uses the Mixed Methods Comparative method, this approach involves the collection and analysis of quantitative and qualitative data separately and at the same stage. The results of this study show that  the comparative analysis between Bank BRI and Bank Syariah Indonesia (BSI) highlights the different dynamics in the capital structure, profitability, and deposits of both. BRI, with its conventional approach, demonstrates flexibility and excellence in diversifying financial resources. On the other hand, BSI, as an Islamic bank, provides evidence that Islamic principles can provide profitability and a sustainable financial foundation. These results provide a better understanding of each bank's role in meeting the needs of society, both in terms of financial services and business ethics principles. Stakeholders, including regulators, investors, and the general public, can use the results of this analysis to make informed decisions and support the sustainable growth of the banking sector in Indonesia.
TRANSLATE with x EnglishArabicHebrewPolishBulgarianHindiPortugueseCatalanHmong DawRomanianChinese SimplifiedHungarianRussianChinese TraditionalIndonesianSlovakCzechItalianSlovenianDanishJapaneseSpanishDutchKlingonSwedishEnglishKoreanThaiEstonianLatvianTurkishFinnishLithuanianUkrainianFrenchMalayUrduGermanMalteseVietnameseGreekNorwegianWelshHaitian CreolePersian   TRANSLATE with COPY THE URL BELOW Back EMBED THE SNIPPET BELOW IN YOUR SITE Enable collaborative features and customize widget: Bing Webmaster PortalBack

Author Biography

Mahesa Dayanti, Universitas Sumatera Utara

TRANSLATE with x EnglishArabicHebrewPolishBulgarianHindiPortugueseCatalanHmong DawRomanianChinese SimplifiedHungarianRussianChinese TraditionalIndonesianSlovakCzechItalianSlovenianDanishJapaneseSpanishDutchKlingonSwedishEnglishKoreanThaiEstonianLatvianTurkishFinnishLithuanianUkrainianFrenchMalayUrduGermanMalteseVietnameseGreekNorwegianWelshHaitian CreolePersian   TRANSLATE with COPY THE URL BELOW Back EMBED THE SNIPPET BELOW IN YOUR SITE Enable collaborative features and customize widget: Bing Webmaster PortalBack

References

Alam, A., Setyowati, E., Wiguna, A. C., & Nizam, R. S. (2022). Analysis of the Influence of BOPO, NIM and Inflation on the Profitability of Bank BRI Syariah in 2013-2020. Talaa : Journal of Islamic Finance, 2(1), 33–56. https://doi.org/10.54045/talaa.v2i1.505

Ekawati, N., Purwohedi, U., & Warokka, A. (2021). The Influence of Risk Management, Third-Party Funds and Capital Structure on Banking Sector Financial Performance in Indonesia and Thailand with Corporate Governance as Moderating Variable in 2015-2019. Oblik i Finansi, 4(4(94)), 71–80. https://doi.org/10.33146/2307-9878-2021-4(94)-71-80

Haryanto, S. (2016). Profitability Identification of National Banking Through Credit, Capital, Capital Structure, Efficiency, and Risk Level. Jurnal Dinamika Manajemen, 7(1), 11. https://doi.org/10.15294/jdm.v7i1.5749

Hasan, Z. (2023). The Value and Performance of Islamic Banking in Indonesia. Iqtishadia, 15(2), 191. https://doi.org/10.21043/iqtishadia.v15i2.16508

Hilman, I. (2018). Sharia Business Unit Spin-off: Strategic Development Model of Sharia Banking in Indonesia. International Journal of Islamic Banking and Finance Research, 2(2), 1–15. https://doi.org/10.46281/ijibfr.v2i2.43

Himmawan, M. F., & Firdausi, N. A. (2019). Projection of Indonesian Islamic commercial banks efficiency and stability in the Covid-19 period using DEA and panel ARDL. Jurnal Ekonomi & Keuangan Islam, 7(1), 92–104. https://www.academia.edu/download/59306124/11852-26893-4-PB20190518-6204-1sywosr.pdf

Indrajaya, D., Astuti, M., Maulidizen, A., & Kurniawan, N. (2022). The Effect of Third-Party Funds, Capital Adequacy Ratio, Casa Ratio, Bi Rate, And Inflation Towards The Distribution of Credit Banking in Indonesia. International Journal of Economics Development Research (IJEDR), 2(3), 171–185. https://doi.org/10.37385/ijedr.v2i3.282

Nihayah, I., & Aryani, Y. A. (2022). Implementation of Risk Management and Capital Structure on Financial Performance: A Study of Islamic Banking in Indonesia. Journal of Business and Management Studies, 4(3), 48–62. https://doi.org/10.32996/jbms.2022.4.3.5

Puteh, A., Rasyidin, M., & Mawaddah, N. (2018). Islamic banks in indonesia: Analysis of efficiency. Emerald Reach Proceedings Series, 1, 331–336. https://doi.org/10.1108/978-1-78756-793-1-00062

Putra, S. F., & Oktaviana, U. K. (2022). Financial Risk and Capital Structure: Does it Contribute to Increasing the Company Value of Islamic Banking? Maliki Islamic Economics Journal, 2(1), 12–20. https://doi.org/10.18860/miec.v2i1.16586

Rusydiana, A. S., Devi, A., Hasib, F., & Rani, L. (2019). Spin Off Policy of Sharia Bank: Is It Profitable? Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 11(2), 265–288. https://doi.org/10.15408/aiq.v11i2.9157

Said, S. (2015). Sharia Banking Performance in Makassar. Al-Ulum, 15(1), 21. https://doi.org/10.30603/au.v15i1.215

Subariyanti, H., & Yulianto, A. R. (2023). Comparative Analysis of Financial Performance of Pt. Bank Syariah Indonesia and Pt. Bank Mandiri (Persero) As the Parent and …. Dynamic …, 7(3), 406–419. https://jurnal.umt.ac.id/index.php/dmj/article/view/8919

Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alphabet.

Wasiaturrahma, Sukmana, R., Ajija, S. R., Salama, S. C. U., & Hudaifah, A. (2020). Financial performance of rural banks in Indonesia: A two-stage DEA approach. Heliyon, 6(7), e04390. https://doi.org/10.1016/j.heliyon.2020.e04390

Windriya, A. (2016). The Effect OF FDR, NPF, OEOI, AND Size Toward ROA (Comparative Study on Indonesian Islamic Bank and Malaysian Islamic Bank Period 2010-2015). International Journal of Islamic Business and Economics (IJIBEC), 01, 1–23.

Wulandari, D., & Harjito, A. (2021). The effect of interest rates, exchange rates and capital structure on banking profitability of BUMN and Private Go Public in Indonesia. International Journal of Research in Business and Social Science (2147- 4478), 10(3), 338–351. https://doi.org/10.20525/ijrbs.v10i3.1086

Downloads

Published

2024-03-30

How to Cite

Dayanti, M. (2024). Comparison Of Capital Structure, Profitability, And Third-Party Funds (DPK) Between Bank Bri And Bank Syariah Indonesia: A Comparative Analysis. Al-Kharaj: Journal of Islamic Economic and Business, 6(1). https://doi.org/10.24256/kharaj.v6i1.4934

Issue

Vol. 6 No. 1 (2024): All articles in this issue include authors from 5 countries of origin (Indonesia, Algeria, Sudan, Brunai and Malaysia)

Section

Articles

Citation Check

License

Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. In line with the license, authors are allowed to share and adapt the material. In addition, the material must be given appropriate credit, provided with a link to the license, and indicated if changes were made. If authors remix, transform or build upon the material, authors must distribute their contributions under the same license as the original.

Similar Articles

> >> 

You may also start an advanced similarity search for this article.