PERFORMANCE ANALYSIS OF PT BANK SYARIAH INDONESIA BEFORE AND ALREADY MERGER

Abstract

This study aims to: 1).To analyze how the performance of PT Bank Syariah Indonesia before and after the merger. 2).To analyze whether the performance of PT Bank Syariah Indonesia before and after merger has increased 3). To analyze the factors that influence the performance of PT Bank Syariah Indonesia on TPF before and after the merger.

The results showed that: 1).The merger of three state-owned banks is a solution to improve the quality of Islamic banking in Indonesia. 2).The positive impact of this merger is that Islamic banks as a result from the merger and acquisition have a fairly large amount of capital and can be used to expand their market share. 3). Regarding the large amount of BSI's capital, the Bank resulting from this merger has promise a profitability potential if this bank is able to use its capital wisely, in order to obtain large profits and stick to sharia principles, taking into account factors that can have a positive effect on profitability. 4). In the long terms, the enlarged scale of the merged Islamic bank will make the products and services provided by the bank more diverse and complex, there will be more customers and interconnection with other banks or with other elements of the financial system will be stronger, and the role of the merged sharia bank will be increasingly important in the economic sectors. In addition, the impact of the merger on the development of the sharia economy is also believed to be positive, because the new entity born from this corporate action will have a large capital to move into driving national economic growth.