Bank Rakyat Indonesia Syariah Research Articles

Efek Kompetitif Merger Bank Syariah Indonesia Terhadap Penyaluran Pembiayaan UMKM Dan Non-UMKM

Bank Syariah Indonesia (BSI) is merged of three state-owned subsidiary Islamic banks, namely Bank Syariah Mandiri (BSM), Bank Negara Indonesia (BNI) Syariah, and Bank Rakyat Indonesia Syariah (BRIS). The merger of the three banks is expected to provide benefits, especially for the majority of Indonesian Muslims. In addition, it can also increase the value of the company by increasing profits both through raising funds and distributing financing. This study was conducted to examine the competitive effect of Bank Syariah Indonesia merger on the distribution of UMKM financing, non-UMKM financing, total financing. The bank's performance to be tested consists of market share, net trade cycle (NTC), investment, interest expense, and return on asset (ROA) in pre and post merger at Bank Syariah Indonesia. This study used 53 data, 5 bank data after the merger and 48 bank data before the merger to test the hypothesis whether there is an influence of market share, NTC, investment, ROA on UMKM financing, non-UMKM financing and total financing. The results showed that investment variables affect UMKM financing, non-UMKM financing and total financing while market share, NTC, interest expense, and ROA variables do not affect UMKM financing, non-UMKM financing and total financing.

Comparison Of Capital Structure, Profitability, And Third-Party Funds (DPK) Between Bank Bri And Bank Syariah Indonesia: A Comparative Analysis

The banking sector plays a crucial role in the Indonesian economy, becoming the backbone that supports the country's economic growth and stability. In this dynamic landscape, two financial institutions stand out, namely Bank Rakyat Indonesia (BRI) as a representative of conventional banks, and Bank Syariah Indonesia (BSI) which is committed to Islamic financial principles. The purpose of this study is to determine the comparison of capital structure, profitability, and third party funds (DPK) between BRI banks and Indonesian Islamic banks. This research method uses the Mixed Methods Comparative method, this approach involves the collection and analysis of quantitative and qualitative data separately and at the same stage. The results of this study show that  the comparative analysis between Bank BRI and Bank Syariah Indonesia (BSI) highlights the different dynamics in the capital structure, profitability, and deposits of both. BRI, with its conventional approach, demonstrates flexibility and excellence in diversifying financial resources. On the other hand, BSI, as an Islamic bank, provides evidence that Islamic principles can provide profitability and a sustainable financial foundation. These results provide a better understanding of each bank's role in meeting the needs of society, both in terms of financial services and business ethics principles. Stakeholders, including regulators, investors, and the general public, can use the results of this analysis to make informed decisions and support the sustainable growth of the banking sector in Indonesia.TRANSLATE with x EnglishArabicHebrewPolishBulgarianHindiPortugueseCatalanHmong DawRomanianChinese SimplifiedHungarianRussianChinese TraditionalIndonesianSlovakCzechItalianSlovenianDanishJapaneseSpanishDutchKlingonSwedishEnglishKoreanThaiEstonianLatvianTurkishFinnishLithuanianUkrainianFrenchMalayUrduGermanMalteseVietnameseGreekNorwegianWelshHaitian CreolePersian //  TRANSLATE with COPY THE URL BELOW Back EMBED THE SNIPPET BELOW IN YOUR SITE Enable collaborative features and customize widget: Bing Webmaster PortalBack//

The effect of systematic and unsystematic determinants on loan (financing) to deposit ratio in Indonesian banking

Purpose: This study compares the determinants of liquidity of Islamic Banks (IBs) and Conventional Banks (CBs) based on the loan-to-deposit ratio (LDR) and financing-to-deposit ratio (FDR) between 2016 and 2020. Research Methodology: The data analysis technique used was panel data regression. Results: The results show Economic growth has a positive effect on banking liquidity risk, while non-performing loans (financing) have a negative effect on banking liquidity risk. Limitations: The frame time in this research was 2016-2020 which, before Bank Syariah Mandiri, Bank Rakyat Indonesia (BRI) Syariah, and Bank Negara Indonesia (BNI) Syariah merged into Bank Syariah Indonesia. Contribution: This study can be used as a reference for preparing or perfecting regulations that can be bolder in expanding credit (financing). Commercial banks are expected to be able to manage liquidity so that the liquidity ratio is not less than or exceeds the tolerance limit, especially for CBs, and are used as evaluation material for the performance of IBs, especially CBs. Novelty: Several previous studies conducted separate analyses of the determinants of LDR and FDR in one type of commercial bank and showed contradictory results. This research did not conduct separate analyses in one type of bank but combined the determinants so that they could cause liquidity risk by measuring LDR on BUK and FDR on BUS to discuss these conflicting findings.

Islamic Work Ethics in Modern Organizations: The Mediating Role of Organizational Culture

This study aims to explore and elucidate the perception and implementation of Islamic Work Ethics (IWE), Organizational Culture (OC), and Job Involvement (JI) within Sharia-compliant banks. This study comprises a threefold examination. Firstly, it scrutinizes the immediate influence of IWE on JI. Secondly, it delves into the mediating role of OC in the relationship between IWE and JI. Lastly, it explores the direct influence of IWE on OC and the subsequent impact of OC on JI. The research cohort consisted of 151 employees from Bank Rakyat Indonesia (BRI) Syariah (now Bank Syariah Indonesia (BSI)) in Banda Aceh, Indonesia. Primary data were collected through the distribution of questionnaires and analyzed using a Structural Equation Modeling (SEM) framework with the Application Analysis of Moment Structures (AMOS). The findings revealed that: (1) IWE exerts a relatively modest direct impact on JI, (2) OC emerges as a pivotal factor mediating the influence of IWE on JI, and (3) IWE has a direct and significant effect on OC, subsequently affecting JI. These multifaceted findings are comprehensively explored and discussed in the ensuing discourse.

ANTECEDENTS OF DIGITAL FINANCING ON MSME IN BANK SYARIAH INDONESIA (BEFORE AND AFTER MERGER)

The aim of this research is to analyze the antecedents (factors which influence) of digital financing at Bank Syariah Indonesia (BSI). This study is focus on data before and after merger. The population of this study is employees of BRI (Bank Rakyat Indonesia) Syariah (before merger) and BSI (after merger) This study have eight objectives to analyze the effect of antecedents (accountability, adequacy of funds, accounting information, operational risk, internal control, and credit analysis) on digital financing for MSME at BSI. The sample was determined based on the random sampling method, in which 100 respondents were obtained using the Slovin formula. All respondents were asked to fill out the questionnaire that had been prepared based on indicators of variables. Data analysis was performed using Partial Least Square-Structural Equation Modeling (PLS-SEM). The research results indicate that from eight hypothesis, six of them are affect and two of them are not affect before merger, but after merger the results show that five of them are affect and three of them are not affect.

Implementation of The Balanced Scorecard in Measuring The Performance of A Company

This research aims to determine the company's performance at PT. Bank Rakyat Indonesia Syariah, Tbk. Which is used to measure and evaluate with the balanced scorecard method approach. This study uses the balanced scorecard method which evaluates in four important perspectives at PT. Bank Rakyat Indonesia Syariah, Tbk which includes a financial perspective, internal business process perspective, customer perspective, and growth and learning perspective from the 2019-2020 period.

Maslahah Of Islamic Banking Merger Discourses (Indonesia Case)

The Indonesian government has merged Islamic banks in Indonesia, namely Bank Syariah Mandiri (BSM), Bank Rakyat Indonesia Syariah (BRIS), and Bank Negara Indonesia Syariah (BNIS) into Bank Syariah Indonesia (BSI) to strengthen the competitiveness of Islamic banks. Therefore, the purpose of this study is to analyze the impact of mergers of Islamic banks in Indonesia which were carried out in such a short period based on factors of employee age, employee experience, and employee productivity. The method used in this study is a quantitative method sourced from secondary data, namely the annual report. Furthermore, the formulation of the problems in this study includes: (i) Is there a gap in the age and experience of employees of each ex-legacy bank?; (ii) What were each ex-legacy bank's performance and productivity conditions before the merger?; (iii) How is the productivity of the merged bank when compared to the productivity of the ex-legacy bank?. The results of this study state that there is a potential for internal conflicts related to the staffing aspect and a decrease in productivity both in terms of profit and assets from ex-legacy banks with enormous profits and assets. Therefore, the implication of this study is to provide information to government stakeholders to take follow-up actions against the merged Islamic bank to mitigate conflicts and provide benefits or maslahah for both external and internal parties. The originality of this study is to discuss mergers of Islamic banks that are associated with staffing factors and employee productivity.

Pengukuran Kinerja Keuangan Bank Syariah Indonesia Pasca Merger Menggunakan Pendekatan Islamicity Performance Index

This study aims to measure the performance of Indonesian Sharia Banks. Bank Syariah Indonesia is a bank resulting from the merger of three state-owned sharia commercial banks, namely Bank Rakyat Indonesia Syariah, Bank Negara Indonesia Syariah and Bank Syariah Mandiri. Previously, research on these 3 banks had been carried out before the merger occurred. This study seeks to see the performance of Indonesian Islamic Banks after the merger using the Islamicity Performance Index approach. The data used is Bank Syariah Indonesia annual report data for 2021. The results of this study show that two indicators have very satisfactory values, namely Islamic Investment vs. Non-Islamic Investment and Islamic Income vs. Non-Islamic Income, the Equitable Distribution Ratio indicator has a fairly good value, the Profit Sharing Ratio indicator has an unsatisfactory value, and the last two indicators, namely the Zakat Performance Ratio and the Director-Employee Welfare Ratio have very unsatisfactory values.

The Responsibility of Mudharib toward the Customer Fund of Shahibul Maal in a Financing Agreement

The Association of State-Owned Banks (Himbara) has taken over the ownership of three Islamic banks, Bank Rakyat Indonesia Syariah, Bank Syariah Mandiri, and Bank Negara Indonesia. As a result of this, the government expects Islamic finance to be more competitive in the digital age. To comply with the legislation, deposits made by customers who deposit money also go to the combined bank. According to the explanation of Article 28 of Law No. 10 of 1998 on Banking, the responsibility of the bank for customer funds in connection with a merger of banks is typically regulated. The merger carried out by the bank must not impair the interests of the customer. However, neither the Banking Law nor other pertinent laws and regulations provide additional guidance on the types of legal remedies that consumers negatively affected by this merger could use. This study aimed to ascertain the obligation of the Mudharib under the Mudharabah financing arrangement to Shahibul Maal funds following the merger into an Indonesian Sharia Commercial Bank. The results showed that the mudharib must continue the mudharabah financing agreement and continue to offer profit sharing in accordance with the terms of the shahibul maal funds in the mudharabah financing agreement following the merger into Bank Syariah Indonesia.
 Keywords: Merger, Mudharabah, Legal Protection

Pengukuran Kinerja Keuangan Bank Syariah Indonesia Pasca Merger Menggunakan Pendekatan Islamicity Performance Index

This study aims to measure the performance of Indonesian Sharia Banks. Bank Syariah Indonesia is a bank resulting from the merger of three state-owned sharia commercial banks, namely Bank Rakyat Indonesia Syariah, Bank Negara Indonesia Syariah and Bank Syariah Mandiri. Previously, research on these 3 banks had been carried out before the merger occurred. This study seeks to see the performance of Indonesian Islamic Banks after the merger using the Islamicity Performance Index approach. The data used is Bank Syariah Indonesia annual report data for 2021. The results of this study show that two indicators have very satisfactory values, namely Islamic Investment vs. Non-Islamic Investment and Islamic Income vs. Non-Islamic Income, the Equitable Distribution Ratio indicator has a fairly good value, the Profit Sharing Ratio indicator has an unsatisfactory value, and the last two indicators, namely the Zakat Performance Ratio and the Director-Employee Welfare Ratio have very unsatisfactory values.

The Policy Role of Bank Syariah Indonesia for MSMEs Sector in Community Economic Empowerment

<p>The people's economy can be improved through the micro business sector. The issue of the role of Bank Syariah Indonesia (BSI) as a competent Islamic bank is a new hope for these business actors. Unfortunately, previous studies have not disclosed in depth the programs and policies of BSI after the merger. This study aims to determine the policy of Islamic banking toward the micro-business sector to empower the community's economy. The study was conducted on Bank Syariah Mandiri (BSM), which merged with two other large Islamic banks, Bank Rakyat Indonesia Syariah (BRI Syariah) and Bank Negara Indonesia Syariah (BNI Syariah), and became BSI. The research design used a qualitative approach with data collection techniques in interviews, observation, and documentation. BSI is a bank that collects and distributes funds to the public based on sharia principles. The findings show that BSI maintained its reputation as a competent Islamic bank in community empowerment efforts. This is evidenced by the inclusion of BSI in the Forbes list of The World's Best Banks 2021 because it has met the criteria for trust, terms and conditions, customer services, digital services, and financial advice. Although it has merged with two other Islamic banks, BSM continues to use the same system as before, except for some adjustments related to product policies regarding costs, benefits, and margin provisions by applicable regulations. Community empowerment through Micro Business products refers to Law Number 21 of 2008 concerning Islamic Banking. In its development, to support the community's economy, BSI carries out a sustainable finance agendavillage economic programs, food security, sociopreneur scholarships, and siding with MSMEs.</p><strong>Keywords</strong>: Bank Syariah Indonesia; policy; MSMEs

Prediction Analysis of Profitability and Liquidity Levels at PT. Bank Rakyat Indonesia Syariah Tbk

This research aims to determine and predict the level of profitability and liquidity at PT. Bank Rakyat Indonesia Syariah Tbk, . The type of research used is descriptive quantitative research to explain the soundness level of banks, to analyze trends in soundness, banks use the least square method. As a population is the Annual report of PT. Bank Syariah Indonesia Tbk, .2016-2020 period, with withdrawal techniques. sample using purposive sampling) with the criteria of having an annual report with a ratio, ROA, and liquidity. Data analysis, from this study shows that the trend of PT BRI Syariah (PT. Bank Rakyat Indonesia Syariah Tbk) in 2021-2025 for profitability as measured by the ROA ratio tends to decrease but is still in the criteria of being quite healthy, while in terms of liquidity in 2021 there is increase, in 2022-2025 it tends to be stable in criterion 1 very healthy

COMPARISON OF EFFECT RGEC ON THE PERFORMANCE BEFORE AND AFTER MERGER AS BANK SYARIAH INDONESIA

The merger of major Islamic banks in Indonesia such as Bank Nasional Indonesia Syariah (BNIS), Bank Rakyat Indonesia Syariah (BRIS) and Bank Syariah Mandiri (BSM) have highlighted the Islamic banking sector around the world. For three years, Indonesia's three largest Islamic banks have merged. The purpose of this study was to measure and test the impact of the implementation of RGEC (Risk Profile, Good Corporate Governance, Earning, and Capital) on earnings growth of those three islamic banks before and after the merger into Bank Syariah Indonesia (PT. BSI Tbk). This research used PT BSI Tbk's year-end data and used panel data regression in testing RGEC factor for growth profit on financial performance of Indonesian Islamic banks from 2019 to 2020. Quantitative analysis methods based on documentation and literature collection was used for this research. In addition, researcher used Eviews 10 to analyse data. The findings of this study indicate that the merger resulted in a significant increase in performance. Thus, ROA has significant influence to PG.

PERAMALAN PROFITABILITAS PERBANKAN SYARIAH INDONESIA: STUDI BANK RAKYAT INDONESIA SYARIAH PRA MERGER TAHUN 2010-2020

This study aims to determine the performance of return on assets, the ratio of operating expenses to operating income, return on equity, and non-performance Financings in the next 10 years. This research method uses a quantitative descriptive method to predict the growth of Islamic banking profitability. The population and sample used in the pre-merger study of Bank Rakyat Indonesia Syariah. The data used is financial reports for ROA values every year from 2010-2020. The research results show that there has been a decline in the profitability of Bank Rakyat Indonesia Syariah. This is shown by the prediction of a decrease in ROA, BOPO, ROE and NPF. The decision to merge with Bank Syariah Indonesia was the right decision because it can be seen from the growth rate of BRIS' profitability that tends to decrease every year.

Dampak Sistem Merger Bank Syariah Terhadap Eksistensi UMKM Di Indonesia

Islamic banking as a financial distribution institution (financial intermediary) is currently growing rapidly and has become a pioneer in improving the economy in Indonesia. The development of Islamic banking in Indonesia has resulted in the realization of a merger or amalgamation of 3 state-owned Islamic banks, namely Bank Negara Indonesia Syariah (BNIS), Bank Rakyat Indonesia Syariah (BRIS), and Bank Syariah Mandiri (BSM) to become PT Bank Syariah Indonesia Tbk. The development of Micro small and Medium Enterprises in Indonesia really needs the contribution and role of Islamic banks in terms of increasing the availability of financing, namely providing easier requirements and conducting training and business assistance. Islamic banks are expected to continue to develop in improving the capabilities of small and medium enterprises, this is based on the fact that one of the roles of Micro small and Medium Enterprises can drive the national economy, namely being able to absorb large numbers of workers, increasing gross domestic product (GDP) and being able to overcome the economic crisis. The presence of Bank Syariah Indonesia will continue to provide support to Micro small and Medium Enterprises actors in Indonesia through products and various Islamic financial services that are in line with the needs of Micro small and Medium Enterprises.

Deep Learning - Prediksi dan Resiko Investasi Enam Saham Bank di Indonesia

Stock prediction and risk level are important for investors, but this ability can only be done by experts and takes a long time. The rapid development of technology today demands that decisions be made quickly and precisely. Deep Learning (DL) is one of the Artificial Intelligence (AI) methods that are able to analyze and predict stock values accurately, in real-time, and without much human intervention. Analysis of risk and correlation between stocks by calculating daily returns using the moving average (MA) method. Dataset of 6 bank shares obtained from yahoo-finance, namely Bank Central Asia (BBCA), Bank Rakyat Indonesia (BBRI), Bank Mandiri (BMRI), Bank Nasional Indonesia (BBNI), Bank Rakyat Indonesia Syariah (BRIS), and Bank Tabungan Negara (BBTN). The volume of share sales increased significantly only in BBRI and BBNI shares, although 5 bank shares (except BRIS) experienced price increases. The highest correlation occurred between BBNI and BMRI shares with a value of 97%, 92% between BMRI and BBCA shares, and 91% between BBNI and BBCA. Analysis of risk and expected return shows that BRIS has the highest risk and expected return of 0.042245 and 0.002986, respectively. BBCA shares have the lowest risk and expected return at 0.015392 and 0.000695, respectively. The results show that future predictions have decreased, namely BBRI, BBNI, and BBTN, and rose for BBCA, BMRI, and BRIS stocks.

DOES START-UP FINTECH AFFECT THE PROFITABILITY RATIO OF ISLAMIC BANKS? CASE STUDIES OF THREE STATE-OWNED ISLAMIC BANKS

The development of financial technology in the financial services sector provides benefits and conveniences, especially in the banking services sector. In overcoming this threat, the banking industry, especially Islamic banking, initiated a strategy by collaborating with financial technology. As banks controlled by the government, state-owned banks, namely Bank Mandiri Syariah, Bank Negara Indonesia Syariah, and Bank Rakyat Indonesia Syariah, took these steps to increase the company's profitability. This study aims to analyze the effect of Financial Technology (Fintech) on the profitability of the three banks. This research is a descriptive study with a quantitative approach by comparing the profitability ratios of banks for the 2015-2020 period that have collaborated with fintech. In this study, the data normality test and Paired T-Test were carried out to compare before and after seeing fintech start-ups. The results showed that based on the analysis of ROA, ROE, BOPO, and NPM at three banks, it was found that there was no significant difference after pressure with fintech.

ANALISIS KOMPARASI PROFITABILITAS PADA PT. BANK RAKYAT INDONESIA SYARIAH TBK, SEBELUM DAN SELAMA COVID-19

This stady aims to analyze the financial perfomace of one of the islamic banks in Indonesia based on the profitability ratios before and during the covid-19 pandemic. As for the object in this study, namely PT. Bank Rakyat Indonesia Syariah Tbk. In this study the authors manage all aspects of the research contained in the profitability ratios including return on asset, return on equity, operating costs, net profit margi and gross profit margin with the hope that the final result of the research can find out whether there is a profitability comparasion at PT. Bank Rakyat Indonesia Syariah before and during covid-19 or there is no comparasion of profitability at PT. Bank Rakyat Indonesia Syariah before and during covid-19. As for this type of research is a type of comparative descriptive research with a quantitative approach. The data contained in this study is non-parametric data with the Wilxocon test analysis technique using SPSS. With the results of the study there is a comparasion of profitability at PT. Bank Rakyat Indonesia Syariah Tbk, before and during covid-19 on the ratio return on asset while in other research aspects such as retun on equity, operating costs,net profit margin and gross profit margin there is no comparasion of profitability at PT. Bank Rakyat Indonesia Syariah Tbk,before and during covid-19.

Analisis Tingkat Kesehatan Bank dengan Metode RGEC

This study aimed to determine the level of bank soundness with the RGEC method at PT. Bank Negara Indonesia (Persero), Tbk., and PT. Bank Syariah Indonesia, Tbk. The type of research used in this research is descriptive quantitative research. The type of data used is secondary data sourced from the analysis of the financial statements of PT. PT. Bank Negara Indonesia (Persero), Tbk., and PT. Bank Syariah Indonesia, Tbk. Based on the results of research on the health level of PT. Bank Negara Indonesia (Persero), Tbk., during the 2019-2020 period BNI bank was said to be healthy, and PT. Bank Rakyat Indonesia Syariah, Tbk shows that during the 2019 period, BSI banks were said to be less healthy because the NPL and LDR ratios were below the standard, namely 7% and 20%, respectively. In the period of 2020 PT. Bank Syariah Indonesia, Tbk has increased, namely the BRIS bank is said to be healthy.

Self Efficacy Sebagai Variabel Moderasi Pengaruh Stress Kerja Terhadap Turnover Intention Dan Komitmen Afektif Karyawan Bank Syariah Indonesia

The merger of three Sharia Commercial Banks consisting of Bank Syariah Mandiri, Bank Negara Indonesia Syariah, and Bank Rakyat Indonesia Syariah caused employee work stress. Prolonged work stress can cause employees to turn over. In addition, employee work stress will affect one's commitment to the organization, one of which is affective commitment. Therefore, a factor is needed to weaken the level of employee work stress, one of which is self-efficacy. Respondents in this study were employees of Bank Syariah Indonesia (BSI) with the criteria of having worked before and after the merger. The data collection process was carried out online to 155 employees of Bank Syariah Indonesia (BSI) and then processed using Structural Equation Modeling (SEM) through the SmartPLS 3.2 application. The results of the study prove that work stress has a positive effect on turnover intention. In addition, work stress also has a negative effect on affective commitment. However, this study states that self-efficacy cannot moderate the effect of work stress on turnover intention of affective commitment.