Analisis Tingkat Profitabilitas Bank Syariah Indonesia Sebelum Dan Sesudah Merger

Khikmatin, Alvi (2023) Analisis Tingkat Profitabilitas Bank Syariah Indonesia Sebelum Dan Sesudah Merger. Undergraduate Thesis thesis, UIN. K. H. Abdurrahman Wahid Pekalongan.

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Abstract

ALVI KHIKMATIN, Analisis Tingkat Profitabilitas Bank Syariah Indonesia Sebelum dan Sesudah Merger Bank syariah sulit ditemukan di pedesaan. Adanya merger Bank Syariah Indonesia (BSI) dapat menjadi kesempatan untuk bank syariah menjadi bank besar. Didalam penelitian ini ingin mengetahui tingkat profitabilitas yang didaptkan BRI Syariah, BNI Syariah, Mandiri Syariah sebelum dan sesudah merger, perbandingan profitabilitas sebelum dan sesudah merger. Penelitian ini merupakan penelitian kuantitatif deskriptif. Dengan metode pengumpulan data penelitian yaitu metode kepustakaan (library research). Data yang diperoleh ialah data sekunder yang didapatkan melalui website resmi bank syariah Indonesia. Sampel dalam penelitian ini ada tiga yaitu bank BRI Syariah, bank Mandiri Syariah, bank BNI Syariah. Adapun teknik pengambilan sampel yang digunakan adalah sensus sampling. Metode analisis data yang digunakan dalam penelitian ini yaitu analisis paired sample t – test dan uji wilcoxon menggunakan bantuan aplikasi SPSS 26. Analisis hasil penelitian menunjukan bahwa antara sebelum dan sesudah merger rasio ROA memiliki perbedaan secara positif dan signifikan. Variabel ROE terdapat perbedaan positif yang signifikan. Rasio NPM terdapat perbedaan secara positif signifikan.ABSTRACT ALVI KHIKMATIN, Analysis of the Level of Profitability of Indonesia Sharia Banks Before and After the Merger Islamic banks are hard to find in rural areas. The merger of Bank Syariah Indonesia (BSI) can be an opportunity for Islamic banks to become big banks. In this study, we want to know the level of profitability obtained by BRI Syariah, BNI Syariah, Mandiri Syariah before and after the merger, comparison of profitability before and after the merger. This research is a descriptive quantitative research. With the research data collection method, namely the method of literature (library research). The data obtained is secondary data obtained through the official website of Indonesian Islamic banks. There are three samples in this study, namely BRI Syariah banks, Mandiri Syariah banks, BNI Syariah banks. The sampling technique used is sensus sampling. The data analysis method used in this study is paired sample ttest and wilcoxon test analysis using the SPSS 26 application. After analyzing the results of the research, it shows that between before and after the merger, the ROA ratio between before and after the merger is positive but not significant. The ROE ratio between before and after the merger is positive significant. The NPM ratio between before and after the merger is positive but not significant

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