Kesehatan Bank Syariah Indonesia: Studi Komparasi Bank Syariah Indonesia Pra dan Pasca Merger

The purpose of this study is to evaluate and contrast Bank Syariah Indonesia's (BSI) state before and after a merger. Using non-performing financing (NPF), financing to deposit ratio (FDR), good corporate governance (GCG), return on asset (ROA), operating costs and operating income (BOPO), and capital adequacy ratio (CAR) as measurement indicators, this research was carried out using the RGEC (risk profile, good corporate governance, earnings, & capital) method. In this study, the Paired Sample T-test was used in a comparative analysis with the results of FDR, GCG, and CAR showing no significant differences, the data showed substantial differences in NPF, ROA, and BOPO. Following the merger, BSI's overall health can be described as "healthy". AbstrakPenelitian ini bertujuan untuk menganalisis dan membandingkan keadaan Bank Syariah Indonesia (BSI) sebelum dan setelah merger. Dengan menggunakan non-performing financing (NPF), financing to deposit ratio (FDR), good corporate governance (GCG), return on asset (ROA), beban operasional dan pendapatan operasional (BOPO), dan capital adequacy ratio (CAR) sebagai indikator pengukuran, penelitian ini dilakukan dengan menggunakan metode RGEC (risk profile, good corporate governance, earnings, & capital). Pada penelitian ini, uji Paired Sample T-test digunakan dalam analisis perbandingan dengan hasil FDR, GCG, dan CAR menunjukkan tidak ada perbedaan yang signifikan, data menunjukkan perbedaan substansial pada NPF, ROA, dan BOPO. Setelah merger, kesehatan BSI secara keseluruhan dapat dikategorikan "sehat".