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<html><head><title>Islamic Banks and Conventional Banks in Indonesia, who is more resilient towards the pandemic crisis? - EUDL</title><link rel="icon" href="/images/favicon.ico"><link rel="stylesheet" type="text/css" href="/css/screen.css"><link rel="stylesheet" href="/css/zenburn.css"><meta http-equiv="Content-Type" content="charset=utf-8"><meta name="viewport" content="width=device-width, initial-scale=1.0"><meta name="Description" content="This paper presents a comparative analysis of Islamic banks and conventional banks in Indonesia using monthly data retrieved from OJK from January 2015 to May 2024. The method used is Mann-Whitney for non-parametric analysis to compare two groups whether they are different or indifferent. This is be"><meta name="citation_title" content="Islamic Banks and Conventional Banks in Indonesia, who is more resilient towards the pandemic crisis? "><meta name="citation_publication_date" content="2024/11/21"><meta name="citation_author" content="Nawalin Nazah"><meta name="citation_author" content="Erny Rachmawati"><meta name="citation_author" content="Dwi Winarni"><meta name="citation_author" content="Rifka Arofah"><meta name="citation_author" content="Fatma Bagis"><meta name="citation_pdf_url" content="http://eudl.eu/pdf/10.4108/eai.14-8-2024.2351083"><meta name="citation_conference_title" content="Proceedings of the 4th International Conference on Business, Accounting, and Economics, ICBAE 2024, 14-15 August 2024, Purwokerto, Indonesia"><meta name="citation_isbn" content="978-1-63190-489-9"><script type="text/javascript" src="https://services.eai.eu//load-signup-form/EAI"></script><script type="text/javascript" src="https://services.eai.eu//ujs/forms/signup/sso-client.js"></script><script type="text/javascript">if (!window.EUDL){ window.EUDL={} };EUDL.cas_url="https://account.eai.eu/cas";EUDL.profile_url="https://account.eai.eu";if(window.SSO){SSO.set_mode('eai')};</script><script type="text/javascript" src="/js/jquery.js"></script><script type="text/javascript" src="/js/jquery.cookie.js"></script><script type="text/javascript" src="/js/sso.js"></script><script type="text/javascript" src="/js/jscal2.js"></script><script type="text/javascript" src="/js/lang/en.js"></script><script type="text/javascript" src="/js/jquery.colorbox-min.js"></script><script type="text/javascript" src="/js/eudl.js"></script><script type="text/javascript" src="/js/article.js"></script><link rel="stylesheet" type="text/css" href="/css/jscal/jscal2.css"><link rel="stylesheet" type="text/css" href="/css/jscal/eudl/eudl.css"><link rel="stylesheet" type="text/css" href="/css/colorbox.css"></head><body><div id="eudl-page-head"><div id="eudl-page-header"><section id="user-area"><div><nav id="right-nav"><a href="/about">About</a> | <a href="/contact">Contact Us</a> | <a class="register" href="https://account.eai.eu/register?service=http%3A%2F%2Feudl.eu%2Fdoi%2F10.4108%2Feai.14-8-2024.2351083">Register</a> | <a class="login" href="https://account.eai.eu/cas/login?service=http%3A%2F%2Feudl.eu%2Fdoi%2F10.4108%2Feai.14-8-2024.2351083">Login</a></nav></div></section></div></div><div id="eudl-page"><header><section id="topbar-ads"><div><a href="https://eudl.eu/"><img class="eudl-logo-top" src="https://eudl.eu/images/eudl-logo.png"></a><img class="eudl-ads-top" src="https://eudl.eu/images/eai-eudl.jpg"></div></section><section id="menu"><nav><a href="/proceedings" class="current"><span>Proceedings</span><span class="icon"></span></a><a href="/series" class=""><span>Series</span><span class="icon"></span></a><a href="/journals" class=""><span>Journals</span><span class="icon"></span></a><a href="/content" class=""><span>Search</span><span class="icon"></span></a><a href="http://eai.eu/">EAI</a></nav></section></header><div id="eaientran"></div><section id="content"><section id="article"><section class="cover-and-filters"><a href="https://eai.eu/eai-sponsorship/?mtm_campaign=call%20for%20bids&mtm_kwd=bids&mtm_source=organize%20conference%20page&mtm_medium=eudl"><img src="https://eudl.eu/images/banner-outside.png"></a></section><section class="info-and-search"><span class="article-proceedings-ref"><a href="/proceedings/ICBAE/2024">Proceedings of the 4th International Conference on Business, Accounting, and Economics, ICBAE 2024, 14-15 August 2024, Purwokerto, Indonesia</a></span><p class="article-type">Research Article</p><h1>Islamic Banks and Conventional Banks in Indonesia, who is more resilient towards the pandemic crisis? </h1><section id="download"><a class="download-pdf" href="/pdf/10.4108/eai.14-8-2024.2351083" title="Download eai.14-8-2024.2351083.pdf">Download</a><span class="download">7 downloads</span></section><section class="meta-section cite-area"><dl class="main-metadata"><dt class="title" id="cite-switchers">Cite</dt> <dd class="value" id="cite-switchers"><a href="" class="bibtex">BibTeX</a> <a href="" class="plain-text">Plain Text</a></dd></dl></section><ul id="cite-blocks"><li class="bibtex"><pre>@INPROCEEDINGS{10.4108/eai.14-8-2024.2351083, author={Nawalin Nazah and Erny Rachmawati and Dwi Winarni and Rifka Utami Arofah and Fatma Bagis}, title={Islamic Banks and Conventional Banks in Indonesia, who is more resilient towards the pandemic crisis? }, proceedings={Proceedings of the 4th International Conference on Business, Accounting, and Economics, ICBAE 2024, 14-15 August 2024, Purwokerto, Indonesia}, publisher={EAI}, proceedings_a={ICBAE}, year={2024}, month={11}, keywords={islamic banks conventional banks financial performance the pandemic crisis mann-whitney u-test}, doi={10.4108/eai.14-8-2024.2351083} } </pre></li><li class="plain-text"><div class="cite">Nawalin Nazah<br>Erny Rachmawati<br>Dwi Winarni<br>Rifka Utami Arofah<br>Fatma Bagis<br>Year: 2024<br>Islamic Banks and Conventional Banks in Indonesia, who is more resilient towards the pandemic crisis? <br>ICBAE<br>EAI<br>DOI: 10.4108/eai.14-8-2024.2351083</div></li></ul><section id="authors"><span class="author-list">Nawalin Nazah<sup>1</sup><sup>,*</sup>, Erny Rachmawati<sup>1</sup>, Dwi Winarni<sup>1</sup>, Rifka Utami Arofah<sup>1</sup>, Fatma Bagis<sup>1</sup></span><ul class="affiliation-list"><li>1: Universitas Muhammadiyah Purwokerto</li></ul><section class="corresponding-email">*Contact email: nawalin_nazah@ump.ac.id</section></section><section class="full-abstract"><h2>Abstract</h2><div><p>This paper presents a comparative analysis of Islamic banks and conventional banks in Indonesia using monthly data retrieved from OJK from January 2015 to May 2024. The method used is Mann-Whitney for non-parametric analysis to compare two groups whether they are different or indifferent. This is because the data does not fulfill the assumptions of normality and homogeneity, even though graphically it does. Return on Assets is used as a measurement parameter of the banking performance of both Islamic and Conventional banks. The data was then tested to see the resilience of their performance during the Pandemic crisis using dummy analysis. The results show that in general, Conventional Banks have better performance compared to Islamic Banks. However, separately analyzed, Islamic Banks performed better during the COVID-19 pandemic, while the performance of Conventional Banks worsened due to the presence of the pandemic crisis. This study gives insightful information about the banking picture in Indonesia. Thus it can be used as a reference for the government to take appropriate policies to enhance the development of both Islamic and conventional banks.</p></div></section><section class="metas-section"><section class="meta-section"><dl class="main-metadata"><dt class="title">Keywords</dt> <dd class="value">islamic banks conventional banks financial performance the pandemic crisis mann-whitney u-test</dd></dl></section><section class="meta-section"><dl class="main-metadata"><dt class="title">Published</dt> <dd class="value">2024-11-21</dd><dt class="title">Publisher</dt> <dd class="value">EAI</dd></dl></section><section class="meta-section"><dl class="main-metadata"><dt class="title"></dt> <dd class="value"><a href="http://dx.doi.org/10.4108/eai.14-8-2024.2351083">http://dx.doi.org/10.4108/eai.14-8-2024.2351083</a></dd></dl></section></section><div class="copyright-block">Copyright © 2024–2024 EAI</div></section></section></section><div class="clear"></div><footer><div class="links"><a href="https://www.ebsco.com/" target="_blank"><img class="logo ebsco-logo" src="/images/ebsco.png" alt="EBSCO"></a><a href="https://www.proquest.com/" target="_blank"><img class="logo proquest-logo" src="/images/proquest.png" alt="ProQuest"></a><a href="https://dblp.uni-trier.de/db/journals/publ/icst.html" target="_blank"><img class="logo dblp-logo" src="/images/dblp.png" alt="DBLP"></a><a href="https://doaj.org/search?source=%7B%22query%22%3A%7B%22filtered%22%3A%7B%22filter%22%3A%7B%22bool%22%3A%7B%22must%22%3A%5B%7B%22term%22%3A%7B%22index.publisher.exact%22%3A%22European%20Alliance%20for%20Innovation%20(EAI)%22%7D%7D%5D%7D%7D%2C%22query%22%3A%7B%22query_string%22%3A%7B%22query%22%3A%22european%20alliance%20for%20innovation%22%2C%22default_operator%22%3A%22AND%22%2C%22default_field%22%3A%22index.publisher%22%7D%7D%7D%7D%7Dj" target="_blank"><img class="logo doaj-logo" src="/images/doaj.jpg" alt="DOAJ"></a><a href="https://www.portico.org/publishers/eai/" target="_blank"><img class="logo portico-logo" src="/images/portico.png" alt="Portico"></a><a href="http://eai.eu/" target="_blank"><img class="logo eai-logo" src="/images/eai.png"></a></div></footer></div><div class="footer-container"><div class="footer-width"><div class="footer-column logo-column"><a href="https://eai.eu/"><img src="https://eudl.eu/images/logo_new-1-1.png" alt="EAI Logo"></a></div><div class="footer-column"><h4>About EAI</h4><ul><li><a href="https://eai.eu/who-we-are/">Who We Are</a></li><li><a href="https://eai.eu/leadership/">Leadership</a></li><li><a href="https://eai.eu/research-areas/">Research Areas</a></li><li><a href="https://eai.eu/partners/">Partners</a></li><li><a href="https://eai.eu/media-center/">Media Center</a></li></ul></div><div class="footer-column"><h4>Community</h4><ul><li><a href="https://eai.eu/eai-community/">Membership</a></li><li><a href="https://eai.eu/conferences/">Conference</a></li><li><a href="https://eai.eu/recognition/">Recognition</a></li><li><a href="https://eai.eu/corporate-sponsorship">Sponsor Us</a></li></ul></div><div class="footer-column"><h4>Publish with EAI</h4><ul><li><a href="https://eai.eu/publishing">Publishing</a></li><li><a href="https://eai.eu/journals/">Journals</a></li><li><a href="https://eai.eu/proceedings/">Proceedings</a></li><li><a href="https://eai.eu/books/">Books</a></li><li><a href="https://eudl.eu/">EUDL</a></li></ul></div></div></div><script type="text/javascript" src="https://eudl.eu/js/gacode.js"></script><script src="/js/highlight.pack.js"></script><script>hljs.initHighlightingOnLoad();</script><script type="application/ld+json">{"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"http://eudl.eu","name":"Home","image":null}},{"@type":"ListItem","position":2,"item":{"@id":"http://eudl.eu/proceedings","name":"Proceedings","image":null}},{"@type":"ListItem","position":3,"item":{"@id":"http://eudl.eu/proceedings?by_acronym=\"ICBAE\"","name":"ICBAE","image":null}},{"@type":"ListItem","position":4,"item":{"@id":"http://eudl.eu/proceedings?by_acronym=\"ICBAE\"/2024","name":"2024","image":null}},{"@type":"ListItem","position":1,"item":{"@id":"http://eudl.eu/doi/10.4108/eai.14-8-2024.2351083","name":"Islamic Banks and Conventional Banks in Indonesia, who is more resilient towards the pandemic crisis? 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