ANALISIS KOMPARASI KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DENGAN PENDEKATAN CAMEL PADA PT BANK BNI SYARIAH, TBK dan PT BANK BNI, TBK PERIODE 2014 – 2018

This study aims to examine the comparison of the financial performance of  bni syariah banks and conventional bni banks using the CAMEL method, in the period 2014-2018. The method used in this study is a descriptive research method, with a quantitative approach. The type of data used is secondary data, in the form of company financial statements. The test was carried out using the Independent Sample T-Test method using the SPSS 20 program. The results of this study indicate that car and fdr/ldr are not significant differences, but npf/npl, bopo and roa are significant differences between bni syariah banks and conventional bni banks. Keywords : Bank BNI Syariah, Conventional BNI Bank, CAMEL, CAR, FDR/LDR, NPF/NPL/BOPO, ROA