TheTable 8results show that the hig

The
Table 8
results show that the higher capitalization of Isla-
mic banks relative to conventional banks is even stronger during
local crisis periods, though it was not higher during the global
financial crisis. On the other hand, we find a negative trend in cap-
italization of Islamic relative to conventional banks. As before, we
do not find any significant difference between conventional and Is-
lamic banks in their z-scores, profitability or maturity mis-match,
neither in normal times, during local crises or the global financial
crisis. However, we find a higher loan-deposit ratio for Islamic
banks than for conventional banks and the difference increases sig-
nificantly during local crises, which suggests that Islamic banks cut
back less on lending than conventional banks. Turning to asset
quality, finally, we find that Islamic banks have significantly lower
non-performing loans and loan loss provisions during local crises,
though not in normal times. In addition, the gap between Islamic
and conventional banks’ NPL ratio seemed to have opened up fur-
ther during the global crisis though this effect is only significant at
the 10% level. In summary, Islamic banks are better capitalized,

Hasil (Bahasa Indonesia) 2:

The
Tabel 8
Hasil penelitian menunjukkan bahwa kapitalisasi yang lebih tinggi dari Isla-
bank mic relatif terhadap bank konvensional bahkan lebih kuat selama
periode krisis lokal, meskipun itu tidak tinggi selama global
krisis keuangan. Di sisi lain, kita menemukan tren negatif di cap-
italization relatif Islam untuk bank konvensional. Seperti sebelumnya, kami
tidak menemukan perbedaan yang signifikan antara konvensional dan isu-
bank Islamic Centre di mereka z-skor, profitabilitas atau kedewasaan mis-match,
baik dalam kondisi normal, selama krisis lokal atau keuangan global
krisis. Namun, kami menemukan rasio kredit-deposito yang lebih tinggi untuk Islam
bank daripada bank konvensional dan perbedaan meningkatkan sig-
nificantly selama krisis lokal, yang menunjukkan bahwa bank syariah memotong
kembali kurang pada pinjaman dari bank konvensional. Beralih ke aset
berkualitas, akhirnya, kami menemukan bahwa bank syariah memiliki signifikan lebih rendah
kredit bermasalah dan ketentuan kerugian pinjaman selama krisis lokal,
meskipun tidak dalam kondisi normal. Selain itu, kesenjangan antara Islam
rasio NPL dan konvensional bank tampaknya telah membuka Fur-
ther selama krisis global meskipun efek ini hanya signifikan pada
tingkat 10%. Singkatnya, bank-bank Islam lebih baik dikapitalisasi,