MENAKAR PROFITABILITAS BANK SYARIAH INDONESIA (BSI) PASCA MERGER

  • Muhammad Syafaat UIN Datokarama Palu
  • Triana Tasya UIN Datokarama Palu
DOI: https://doi.org/10.24239/tadayun.v3i2.82
Keywords: Bank Syariah Indonesia, Islamic Banking, Merger, Profitabilitas

Abstract

The merger of Islamic banks is a strategic step to build the strength of Islamic banking in Indonesia to face competition between Islamic banks and conventional banks. The purpose of this study was to determine the growth rate before and after the BSI merger. This type of research is descriptive qualitative. The analysis technique was carried out by reducing and verifying data. The results of this study indicate that the profitability proxied by Gross Profit Margin (GPM), Return On Assets (ROA), and Return On Equity (ROE) before the merger for 3 (three) banks, namely BRIS, BNIS and BSM have different profitability percentages. Meanwhile, after the merger into Bank Syariah Indonesia, the level of profitability showed a good increase.

Abstrak

Merger bank syariah merupakan langkah strategis untuk membagun kekuatan perbankan syariah diIndonesia menghadapi persaingan antar bank syariah maupun bank konvensional. Tujuan penelitian ini adalah untuk mengetahui tingkat pertumbuhan sebelum dan setelah merger BSI.  Jenis penelitian ini adalah kualitatif deskriptif. Tehnik analisis yang dilakukan dengan reduksi dan verifikasi data. Hasil penelitian ini menujukkan bahwa profitabilitas yang diproksikan oleh Gross Profit Margin (GPM), Return On Asset (ROA), dan Return On Equity (ROE) sebelum merger untuk 3 (tiga) bank yaitu BRIS, BNIS dan BSM memiliki persentase profitabilitas yang berbeda-beda. Sedangkan setelah merger menjadi Bank Syariah Indonesia, tingkat profitabilitas menunjukkan peningkatan yang baik

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Published
2022-12-11
How to Cite
Syafaat, M., & Tasya, T. (2022). MENAKAR PROFITABILITAS BANK SYARIAH INDONESIA (BSI) PASCA MERGER. Tadayun: Jurnal Hukum Ekonomi Syariah, 3(2), 133-152. https://doi.org/10.24239/tadayun.v3i2.82
Issue
Vol. 3 No. 2 (2022)
Section
Articles

Copyright (c) 2022 Muhammad Syafaat, Triana Tasya

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