Electronic Resource
The Effect Merger On Performance : The Case Of Three Indonesian Islamicn Banks
Purpose –. To analyze the impacts of merger on financial performance and
Banking Performance of BSM, BNIS, BRIS before and after merger.
Design/Methodology/approach –. This study is using qualitative method. The
data of this research is using financial report of Bank Mandiri Syariah, Bank BRI
Syariah and Bank BNI Syariah 2020 quarterly and financial report of Bank
Syariah Indonesia in 2021 quarterly. All of financial report that used in this
research was downloaded from website of Bank Syariah Indonesia. This research
used Descriptive Statistic method to analyze the data. Descriptive statistics are
initial data analysis and comparing variables with statistical tests (Kaur et al.,
2018). This study use SPSS as the tools to examine the variable and use
descriptive method to interprete the result.
Findings –. The results show the variable of financial performance, the average
value of Return on Asset (ROA), Return on Equity (ROE), Leverage Multiplier,
and Margin of asset have increased. Whereas, the value of Profit rate and Margin
profit have decreased after merger. On Banking Performance, the ratio shows,
FDR, NPF, and BOPO have decreased. In contrast, NOM, NIM, and CAR have
increased after merger. This results shows the merger influenced on Financial
Performance and Banking Performance.
Originality – This study provides the information about the impact of merger the
three Islamic Indonesian Banks on Financial Performance and Banking
Performance.
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