ABSTRACT

Azwari Fajrin. Comparative Analysis On Conventional Bank Funding System And Islamic Banks Funding System (Case Study On PT. Bank Muamalat, tbk Main branch office Samarinda) Supervsed by: Hamid Bone and Musviyanti. With the development of the banking system in Indonesia which is divided into 2 banking system of conventional banks and Islamic bank, any owner or prospective owner of the funds of funds that invest in banking institutions of course expect the benefits to be derived from the investments that have been done. The owner of the funds generally want a high investment profit sharing or relatively stable. Stability of investment profits that could be given a banking institution will impact the increase of trust fund owner to a banking institution. The success of a banking institution is determined from the high interest of the owner of the funds to invest in the banking agencies. The better the level of provision cost of funds to the depositors, the success of the banking institutions can be said to be healthy.
The aim of this study was to test and analyze the funding systems comparison between conventional banks and Islamic banks to seek a banking
system that can provide a more stable cost of funds or more profitable. The first analysis techniques used in this study is a bonus for the result and the bonus interest to compare the revenue cost of funds between the two banks. The second analysis technique used in this study is the ratio of the HI-1000 and equivalent rate to
compare the level of investment stability provided by both the banks.
From the results of the second test banking data, we can conclude the higher levels of administration expenses provided by the conventional banks with the highest interest rate of 7.5% in 2014 but decreased significantly in 2015 by 2% to
5.5%. Compared with Islamic banks which provide the highest rate equivalent value
in December is much smaller than conventional banks by 6%, but decreased relative stability of less than 1% until October.

Keywords: Islamic Bank, Conventional Bank, Cost Of Funds and Equivalent Rate.