📅 01 September 2025
DOI: 10.58192/ebismen.v4i3.3681
Analisis Kinerja Keuangan Bank Syariah Indonesia Sebelum dan Sesudah Merger
Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN)
Universitas Maritim AMNI
📄 Abstract
This study aims to analyze the financial performance differences of Bank Syariah Indonesia before and after the merger based on three key ratios: Financing to Deposit Ratio (FDR), Operational Expenses to Operating Income (BOPO), and Return on Assets (ROA). A comparative quantitative approach was applied using financial statement data from the 2017–2024 period, analyzed with normality tests and paired sample t-tests. The normality test results indicate that all data are normally distributed. The paired sample t-test reveals no significant difference in the FDR ratio before and after the merger, while significant differences are found in BOPO and ROA. These findings indicate that the merger affected the efficiency and profitability of the bank, but not directly the effectiveness of fund distribution. The study implies that Bank Syariah Indonesia needs to strengthen operational efficiency and asset management post-merger. Future researchers are encouraged to include non-financial variables and apply qualitative approaches to gain more comprehensive insights.
🔖 Keywords
#Merger; Bank Syariah Indonesia; FDR; BOPO; ROA; Financial Performance
ℹ️ Informasi Publikasi
Tanggal Publikasi
01 September 2025
Volume / Nomor / Tahun
Volume 4, Nomor 3, Tahun 2025
📝 HOW TO CITE
Sari, Nurita; Munandar, Aris; Nurhayati, Nurhayati, "Analisis Kinerja Keuangan Bank Syariah Indonesia Sebelum dan Sesudah Merger," Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN), vol. 4, no. 3, Sep. 2025.
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