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All Journal Ahkam: Jurnal Ilmu Syariah El Dinar IJTIHAD Jurnal Wacana Hukum Islam dan Kemanusiaan Global Review of Islamic Economics and Business Medina-Te : Jurnal Studi Islam EKSPANSI Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Shirkah: Journal of Economics and Business Al-Qalam International Journal of Islamic Business and Economics (IJIBEC) Mazahib: Jurnal Pemikiran Hukum Islam Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Southeast Asian Journal of Islamic Education EKONOMIKA SYARIAH : Journal of Economic Studies International Journal of Islamic Business and Economics Ghaly Journal of Islamic Economic Law
Bambang Iswanto
UIN Sultan Aji Muhammad Idris Samarinda
Religion Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Journal : Muqtasid: Jurnal Ekonomi dan Perbankan Syariah

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Financial Performance of Bank Syariah Indonesia (BSI) Before and After Merger Bambang Iswanto; Siti Alawiyah; Kokom Komariah; Idhafiyyah Anwar
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 13, No 2 (2022): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v13i2.178-193

Abstract

As mergers can play a crucial role in enabling sharia banks to withstand intense competition, assessing their financial performance before and after a merger can provide valuable insights.. Therefore, this study analyzes the financial performance before and after the merger at Bank Syariah Indonesia. In analyzing the data, the comparative descriptive method was used by comparing the financial statements and the Good Corporate Governance report of Bank Syariah Indonesia for one year. The Risk-Based Bank Rating (RBBR) method, which includes four assessment factors, namely Risk Profile, Good Corporate Governance, Earning, and Capital (RGEC), was applied to assess the performance of the bank using NPF, FDR, GCG, ROA, ROE, NIM, BOPO, and CAR ratios. The data analysis used descriptive statistics, Shapiro-Wilk, and Wilcoxon Signed Rank Tests. Based on the analysis, the percentage difference in the BOPO and NIM ratios was the largest and lowest, which were 6.16% and 0.08%. Furthermore, there was a significant difference in the financial performance of Bank Syariah Indonesia before and after the merger, which became increasingly healthy. This study has implications for bank assessment policies, as it highlights the need to consider various factors to assess the output scale produced in the bank.
Co-Authors ABD. Azis Ahmad Tibrizi Soni Wicaksono Akhmad Sofyan Angrum Pratiwi Anwaril Hamidy Ashar Ashar Delvina Tri Agustin Dewi Maryah Edy Subagyo Ibadurrahman Ibadurrahman Idhafiyyah Anwar Idhafiyyah Anwar Idhafiyyah Anwar Iklimah Dalhudah Irma Yuliani Kokom Komariah Maisyarah Rahmi Hs Miftah Faried Hadinatha Miftah Faried Hadinatha Misbahul Munir Misbahul Munir Muh Shadiqul Fajri AF Muhammad Izzatullah Muhammad Nur Faaiz Fathah Muhammad Nur Faaiz Fathah Achsani Muhammad Nur Faaiz Fathah Achsani Muhammad Riswan Mursyid Mursyid Nur Syamsi Rinna Ramadhan Ain Fitriah Risma Nurriani Saripatul Hikmah Sauci Fisa’i Sabna Siti Alawiyah Suwardi Sagama Yoppi Hendriyanto Yunita Noor Azizah