STUDI KOMPARASI BANK UMUM SYARIAH BUMN SEBELUM DAN SETELAH MERGER MENJADI BANK SYARIAH INDONESIA (BSI) DARI PERSPEKTIF PEMBIAYAAN PADA ERA COVID-19

Khavid Normasyhuri; Anas Malik; Amin  Fathurrizqi Azis

doi:10.29303/distribusi.v10i2.218

Authors

Khavid Normasyhuri UIN Raden Intan Lampung
Anas Malik UIN Raden Intan Lampung
Amin Fathurrizqi Azis UIN Raden Intan Lampung

DOI:

https://doi.org/10.29303/distribusi.v10i2.218

Keywords:

Covid-19, merger, Bank Syariah Indonesia (BSI), Net Profit , Financie

Abstract

Covid-19 has caused tremendous shocks in terms of health and the economy. On the health side, it causes high mortality cases, while on the economic side it causes fluctuations in various sectors, including Islamic banks. Islamic banks are faced with challenges from the aspect of net income where profit is an important indicator and main point in seeing the performance of bank management. The net profit obtained by sharia banks is the result of the financing that is distributed. Sharia banks owned by SOEs consisting of BRI Syariah, BNI Syariah and Bank Syariah Mandiri have officially merged into BSI starting in February 2021. This is a challenge for banks Sharia, especially mergers, were carried out in the midst of unstable and uncertain conditions in the Covid-19 era, causing many risks, both operational risk and financing risk. The purpose of this study is to compare state-owned Islamic banks whether there is a difference in the increase in net profit from the aspect of mudharabah financing, musyarakah financing and ijarah financing before and after the merger into BSI in the covid-19 era. done comparatively. The test equipment used is SPSS V. 21 with the test carried out, namely the paired test and also using the coefficient of determination test. The facts found from the results of the study were that there was an increase in net profit in state-owned Islamic banks consisting of BRI Syariah, BNI Syariah and Mandiri Syariah Banks before and after the merger into Bank Syariah Indonesia (BSI) with mudharabah financing, musyarakah financing and ijarah financing contributions of 30 %. With the implementation of the merger carried out at BUMN Islamic banks and changing to Bank Syariah Indonesia (BSI) will encourage stronger Islamic banking in competitiveness and digitalization as well as with the formation of Islamic banks into BSI further strengthening internally which creates competent human resources and of course which is more qualified and optimal and not only that, it makes the operational network of Bank Syariah Indonesia (BSI) more and more.

Downloads

Download data is not yet available.

References

Atikah, I., Maimunah, M., & Zainuddin, F. (2021). Penguatan Merger Bank Syariah BUMN dan Dampaknya Dalam Stabilitas Perekonomian Negara. SALAM: Jurnal Sosial Dan Budaya Syar-I, 8(2), 515–532. https://doi.org/10.15408/sjsbs.v8i2.19896

Baihaqy, M. H. Al. (2017). Tingkat Kesehatan Bank dan Laba pada Bank Umum Syariah. Akuntabilitas: Jurnal Ilmu Akuntansi, 10(1), 79–92. https://doi.org/10.15408/akt.v10i1.6119

Bank, P. T., Mandiri, S., Bni, B., Bnis, S., Hasil, B., Kami, P., Brisyariah, B., Syariah, P. T. B., Bank, P. T., & Tbk, B. (2021). Assalamu’alaikum Warahmatullahi Wabarakatuh Kepada Yth. Nasabah PT. BANK SYARIAH INDONESIA, Tbk.

Effendi, I., & Hariani, P. (2020). Dampak Covid-19 terhadap Bank Syariah : Impact of Covid-19 on Islamic Banks. EKONOMIKAWAN : Jurnal Ilmu Ekonomi Dan Studi Pembangunan, 20(79), 221–230.

Elyana, E., Jalaluddin, J., & Nuraeni, N. (2021). Pengaruh Pembiayaan Ijarah Dan Pembiayaan Qardh Terhadap Tingkat Laba Bersih Di Bank Bri Syariah. Ar-Rihlah : Jurnal Keuangan Dan Perbankan Syariah, 1(1), 46. https://doi.org/10.35194/arps.v1i1.1294

Fiqri, A. A. A., Azzahra, M. M., Branitasandini, K. D., & Pimada, L. M. (2021). Peluang Dan Tantangan Merger Bank Syariah Milik Negara Di Indonesia Pada Masa Pandemi Covid-19. El Dinar, 9(1), 1–18. https://doi.org/10.18860/ed.v9i1.11315

Iswahyuni, I. (2021). Analisis Dampak Covid-19 Terhadap Perbankan Syariah. Widya Balina, 6(11), 43–60. https://doi.org/10.53958/wb.v6i11.74

Kadir, M.Pd, D. (2015). Statistika Terapan Kosep, Contoh dan Analisis Data dengan Program SPSS/Lisrel dalam Penelitian.

Kusumawardani, D. W. (2020). Menjaga Pintu Gerbang Negara Melalui Pembatasan Kunjungan Warga Negara Asing Dalam Mencegah Penyebaran COVID-19. Jurnal Ilmiah Kebijakan Hukum, 14(3), 517. https://doi.org/10.30641/kebijakan.2020.v14.517-538

Nuryadi, Astuti, T. D., Utami, E. S., & Budiantara, M. (2017). Buku Ajar Dasar-Dasar Statistik Penelitian.

Octaviani, L., & Manda, G. S. (2021). Analisis Pengaruh Risiko Perbankan terhadap Laba Bersih bank Syariah. Jesya (Jurnal Ekonomi & Ekonomi Syariah), 4(2), 837–846. https://doi.org/10.36778/jesya.v4i2.411

Proaksi, J., Putri, T. A., Kartini, T., Ekonomi, F., Sukabumi, U. M., Ekonomi, F., Sukabumi, U. M., Ekonomi, F., Sukabumi, U. M., & Hasil, P. B. (2021). Pengaruh pembiayaan musyarakah terhadap pendapatan bagi hasil pada tiga bank umum syariah. 8(1), 124–131.

Pt, B., & Syariah, B. (n.d.). Pengaruh Pembiayaan Bagi Hasil dan Pembiayaan Sewa terhadap Laba. 47–58.

Sari, F. Y., & Akbar, N. (2021). Pengaruh Pembiayaan Mudharabah dan Pembiayaan Musyarakah Terhadap Laba Bersih PT. Bank BRI Syariah. Eksis: Jurnal Ilmiah Ekonomi Dan Bisnis, 12(1), 11. https://doi.org/10.33087/eksis.v12i1.234

Shandy Utama, A. (2020). Perkembangan Perbankan Syariah Di Indonesia. UNES Law Review, 2(3), 290–298. https://doi.org/10.31933/unesrev.v2i3.121

Sulistiyaningsih, N., & Thanul, S. (2021). Potensi Bank Syariah Indonesia (BSI) dalam Upaya Peningkatan Perekonomian Nasional. Al-Qanun: Jurnal Pemikiran Dan Pembaruan Hukum Islam, 24(1), 33–58.

Susilo, A., Rumende, C. M., Pitoyo, C. W., Santoso, W. D., Yulianti, M., Herikurniawan, H., Sinto, R., Singh, G., Nainggolan, L., Nelwan, E. J., Chen, L. K., Widhani, A., Wijaya, E., Wicaksana, B., Maksum, M., Annisa, F., Jasirwan, C. O. M., & Yunihastuti, E. (2020). Coronavirus Disease 2019: Tinjauan Literatur Terkini. Jurnal Penyakit Dalam Indonesia, 7(1), 45. https://doi.org/10.7454/jpdi.v7i1.415

United Nations. (2020). The Impact of COVID-19 on South-East Asia. Policy Briefs, 1–29.

Yanti, E. M., Ekonomi, F., & Ghafur, U. J. (2021). Merger Dan Kesadaran Masyarakat Terhadap Produk Perbankan Syariahpada Masa Pandemi Covid-19. 1, 107–118.