Bank Rakyat Indonesia Syariah Research Articles

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.

Efisiensi Keputusan Merger Tiga Bank Syariah Di Indonesia Pada Masa Pandemi Covid-19 (Studi Di Bsi Kc Bengkulu Panorama)

Merger is one of the strategies taken by the company to develop and grow the company. In addition, mergers can create a healthy, efficient and competitive company system. The merger decision was made by the three largest state-owned Islamic banks in Indonesia, namely Bank Rakyat Indonesia Syariah (BRIS), Bank Negara Indonesia Syariah (BNIS), and Bank Syariah Mandiri (BSM). This is a decision that aims to encourage larger Islamic banks so that they can enter the global market and become a catalyst for Islamic economic growth in Indonesia. The decision made during the COVID-19 pandemic is the main step in the context of strengthening the Sharia economy in Indonesia, which is being suppressed by the COVID-19 pandemic. The merger of state-owned Islamic banks will make the merger of Islamic banking better and more efficient with indicators of increasing market share for Islamic banking in Indonesia. With the aim of providing an overview of the impacts as well as opportunities and challenges that will arise from the BSI merger decision during the Covid-19 pandemic at BSI KC Bengkulu Panorama. The merging of three state-owned Islamic banks has an impact on various aspects. This impact occurs on customers, employees and the community. Mergers also have an opportunity, namely increasing assets in banks for merger participants and will expand market penetration. On the other hand, mergers also pose many challenges considering that the COVID-19 has shaken the economy in Indonesia. This study uses a qualitative descriptive research method through interviews, documentation, field research and library research so that it can provide information to solve the problems encountered.

Analisis perbandingan harga saham PT. Bank Rakyat Indonesia Syariah, TBK sebelum dan sesudah merger menjadi PT. Bank Syariah Indonesia, TBK.

In order to achieve business efficiency so that it becomes more competitive and more profitable, companies often carry out business mergers as a form of expansion. If the profit achieved by the company is higher, it can encourage an increase in its stock price, this is in accordance with fundamental rules. The purpose of this study was to examine whether there is a difference between the stock prices of PT. Bank Rakyat Indonesia Syariah Tbk before and after the merger into PT. Bank Syariah Indonesia Tbk. This research is classified as a comparative study, where the data used is stock price data within a time frame of 25 days before and after the merger. The analytical technique used is the Wilcoxon Signed Ranks Test. The conclusion of this study is that between the stock prices of PT. Bank Rakyat Indonesia Syariah before and after the merger into PT. Bank Syariah Indonesia Tbk there are significant differences. The difference that occurs shows that the stock price after the merger is higher than before the merger.

An Analysis of the Soundness of Sharia State-Own Enterprises (SOE) Bank Before Merger to Bsi by using the Rgec Method

Abstract. The sound level of a bank is an important aspect that stakeholders must know about. A bank soundness assessment will be useful in implementing good corporate governance and for dealing with future risks. The purpose of this study was to determine the soundness level of a Sharia BUMN bank before the BSI merger with the RGEC method. This study uses a quantitative approach. Sources of research data are the financial statements of the Bank Rakyat Indonesia Syariah, Bank Negara Indonesia Syariah, and Bank Mandiri Syariah for the period 2016-2019. The data analysis used in this study is a quantitative descriptive analysis using the RGEC method (Risk Profile, Good Corporate Governance, Earnings, Capital). The results of his research analysis of the health level using the RGEC method, the conclusion is that three banks consisting of Bank Negara Indonesia Syariah (BNI Syariah), Bank Rakyat Indonesia Syariah (BRIS), and Bank Mandiri Syariah are in the healthy category seen from the Risk Profile aspect as measured by NPF and FDR of three banks are in the healthy category. Aspects of Good Corporate Governance, the three banks are in good health as well. The Earnings aspect as measured by ROA and ROE shows that the three banks are also in a healthy condition and the last is the capital aspect as measured by CAR shows that the three banks are in a healthy category.
 Keywords: Health Level; RGEC; Islamic Bank

ISLAMIC COMMERCIAL BANK BUSINESS STRATEGY DURING GLOBAL PANDEMIC OUTBREAK

In 2020, the Covid-19 pandemic and how to handle it colored the development of the global economy. Millions of people have died and some are now out of work after being laid off. The pandemic has reduced world consumption, production, investment, and trade activities. The government and regulators side adjusting the benchmark interest rate and issuing relaxation and restructuring rules to prevent a bigger impact and encourage economic recovery. Using descriptive qualitative methods, this study tries to explore the business strategies implemented by five Islamic commercial banks with the largest assets, namely Bank Syariah Mandiri, Bank Rakyat Indonesia Syariah, Bank Nasional Indonesia Syariah, Bank Muamalat Indonesia, and Bank Aceh Syariah. all Islamic commercial banks optimize the digitization of services, both financing and fundraising. Focus on low-cost funds and conduct temporarily credit relaxation and restructuring for debtors who are experiencing financial difficulties due to the pandemic

Analisis Perbandingan Kinerja Keuangan Bank Syariah dengan Bank Konvensional Perspektif Maqashid Syariah

Accounting as a complement (tahsiniyat) can turn into a necessity (hajiyat) at the maqashid level. Maqashid sharia is not the most decisive factor in giving birth to sharia economic products that can play a dual role as a tool of social control and socio-economic engineering to realize human benefit, sharia maqashid can provide philosophical and rational dimensions to sharia economic law products that are born in economic ijtihad activities contemporary sharia. Islamic banking, which is growing and developing in the country, is currently increasingly in demand by investors and potential investors. However, the problem is that people do not know how far the performance of Islamic banking is, when compared to the performance of conventional banks which first operated. This study is intended to compare the performance of the two banks, this is important so that investors, potential investors know and assess the performance of the two banks. Assessment of financial performance can be seen from the financial ratios of CAR, ROA, ROE, NPL, LDR, and BOPO. The research population is 14 Islamic commercial banks. The sample using purposive sampling, using 3 Islamic banks, Bank Negara Indonesia (BNI) Syariah, Bank Rakyat Indonesia (BRI) Syariah, Bank Mandiri Syariah and 115 conventional banks. Research data from the annual financial statements of the banks under study. The data analysis technique used the Mann-Whitney U Test. The results showed that there was no significant difference in the CAR ratio between Islamic banks and conventional banks. The ratio of ROA, ROE, NPL, LDR and BOPO there are significant differences between Islamic banks and conventional banks. The financial performance of Islamic banks is better in terms of the LDR ratio, while the financial performance of conventional banks is better in terms of the ratios of CAR, ROA, ROE, NPL, BOPO.

ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK KONVENSIONAL DAN BANK SYARIAH

The study is a quantitative descriptive research using CAMEL research method approach and different test to compare financial performance of Bank Rakyat Indonesia and Bank Rakyat Indonesia Syariah. The population in this study is Bank Rakyat Indonesia and Bank Rakyat Indonesia Syariah of 2015 – 2019. The reason for choosing these years is because the researcher assess that these years are the newest years from previous years. Data type used in this study is secondary data which listed on Indonesia Stock Exchange (BEI) and obtained from www.idx.co.id and the official website of PT Bank Rakyat Indonesia Tbk or abbreviated as BRI and PT Bank Rakyat Indonesia Syariah or abbreviated as BRIS on 2015 – 2019.

PENGARUH PEMBIAYAAN MURABAHAH, MUDHARABAH, MUSYARAKAH TERHADAP PROFITABILITAS PADA PT. BANK RAKYAT INDONESIA (BRI) SYARIAH

Introduction: This research is motivated by financial institutions that have several services offered to the public so that people are interested in using the services of financial institutions because more and more people use the services of these institutions indirectly the community also plays a role in economic growth. PT Bank Rakyat Indonesia (BRI) Syariah offers services with a sharia financing system such as financing products with a basic profit-sharing mechanism.All financing products issued by banks have the aim of being able to provide benefits or increase profitability for the bank. The indicator used in this research is the effect of Murabahah, Mudharabah,Musyarakah financing while the level of profitability is measured using the financial ratio Return on assets (ROA). 
 Methods: This research uses a quantitative approach with associative research type. The data used in this study is secondary data obtained from the quarterly financial statements of PT. Bank Rakyat Indonesia (BRI) Syariah for the period 2012-2020 with a total sample of 36 data. The analytical method used in this research is descriptive test, data normality test, classical assumption test which multiple linear regression.
 Conclusion and suggestion:The results of this study indicate that (1) Murabahah financing has a negative and significant effect on ROA profitability,(2) Mudharabah Financing has a positive andsignificant effect on ROA profitability, (3)Musyarakah financing has a positive and significant effect on ROA profitability,Murabahah, Mudharabah, Musyarakah financing has a positive and significant effect on ROA profitability at PT Bank Rakyat Indonesia (BRI) Syariah.
 Keywords: Murabahah, Mudharabah, Musyarakah Financing and Profitability

Efisiensi Keputusan Merger Tiga Bank Syariah di Indonesia pada Masa Pandemi Covid-19 (Studi di BSI Kc Bengkulu Panorama)

Merger is one of the strategies taken by the company to develop and grow the company. In addition, mergers can create a healthy, efficient and competitive company system. The merger decision was made by the three largest state-owned Islamic banks in Indonesia, namely Bank Rakyat Indonesia Syariah (BRIS), Bank Negara Indonesia Syariah (BNIS), and Bank Syariah Mandiri (BSM). This is a decision that aims to encourage larger Islamic banks so that they can enter the global market and become a catalyst for Islamic economic growth in Indonesia. The decision made during the COVID-19 pandemic is the main step in the context of strengthening the Sharia economy in Indonesia, which is being suppressed by the COVID-19 pandemic. The merger of state-owned Islamic banks will make the merger of Islamic banking better and more efficient with indicators of increasing market share for Islamic banking in Indonesia. With the aim of providing an overview of the impacts as well as opportunities and challenges that will arise from the BSI merger decision during the Covid-19 pandemic at BSI KC Bengkulu Panorama. The merging of three state-owned Islamic banks has an impact on various aspects. This impact occurs on customers, employees and the community. Mergers also have an opportunity, namely increasing assets in banks for merger participants and will expand market penetration. On the other hand, mergers also pose many challenges considering that the COVID-19 has shaken the economy in Indonesia. This study uses a qualitative descriptive research method through interviews, documentation, field research and library research so that it can provide information to solve the problems encountered.

Pengaruh Kinerja Keuangan Terhadap Pembiayaan Murabahah Dengan Dana Pihak Ketiga Sebagai Pemoderasi

This study aims to investigate the effect of Capital Adequacy Ratio, Financing to Deposit Ratio, Non-Performing Financing on murabahah financing, to verify the effect of Capital Adequacy Ratio on murabahah financing with Third Party Funds as a moderating variable, to assess the effect of Financing to Deposit Ratio on murabahah financing. with Third Party Funds as moderating variable and to verify Non-Performing Financing on murabaha financing with Third Party Funds as moderating variable. This study used secondary data that obtained from ojk.co.id. Number of population in this study was 14 (fourteen) Islamic commercial banks registered in 2020 in Indonesia, which obtained with purposive sampling. The sampling criteria were Islamic banks with book category 3 and core capital between 5 trillion to 30 trillion rupiah. The number of samples was 4 banks with 3 (three) book categories, namely Bank Syariah Mandiri, Bank Negara Indonesia Syariah, Bank Rakyat Indonesia Syariah, National Syariah Pension Savings Bank. Data was analyzed by using eviews version 9. The analysis results indicate that Non-Performing Financing, Capital Adequacy Ratio, Financing to Deposit Ratio have an effect on murabahah financing, the Third-Party Funds moderated the effect of capital adequacy ratio on murabahah financing, Third Party Funds moderated the effect of Financing to Deposit Ratio on murabahah financing, Third Party Funds did not moderate the effect of Non Performing Financing on murabahah financing.

DEVELOPMENT OF DIGITAL INNOVATION IN FINANCE

Humans are always struggling with various needs and necessities of life, sometimes requiring them to interact with financial institutions, especially business people. Limited knowledge and access to bank has caused this community to become entangled in loan sharks. Contextual digital innovation to a new innovation is a solution that can change new services. Digital innovation is formed from technology made by a company to answer existing problems so as to create new products. Development of Digital Innovation in Islamic Bank Financing Communication and information technology developed rapidly in the Industrial Revolution 4.0 era which had a positive impact on the development of digital innovation in Islamic financial institutions. The purpose of this study is to determine the extent to which the development of digital innovation at Bank Rakyat Indonesia Syariah touches the wider community and meets financing targets as well as explores the negative impacts and handling of existing digital applications. This research method uses a qualitative approach with descriptive and semi-explorative levels of explanation, taking data through literature, mass media, social media and structured interviews as well as open discussions with informants. Data collection using non-participant observers. The results of the research are expected to be able to improve the digital application that is being used to attract financing at Bank Rakyat Indonesia Syariah which has merged into Bank Syariah Indonesia so that it can be more useful and safer in use, especially during this pandemic. Improvements in accelerating financing decisions that are more thorough, accurate and efficient by using standard and standard processes and approvals. The conclusion of this research is more directed to the improvement of application implementation and usage patterns in society.

Students Perceptions of Service Quality and Promotion of Interest in Using Wadiah Contract in Islamic Banks

Users of wadiah savings accounts are more desirable in Islamic banks, this can be seen from the amount of wadiah savings in the financing data and third party funds of Islamic commercial banks in Islamic Banking Statistics 2020. The increase in users of wadiah savings accounts occupies 1.2% compared to mudharabah savings. The purpose of this study was to determine student perceptions of service quality and promotion of interest in using wadiah contracts in Islamic banks. This analysis uses service quality and promotion as independent variables. The dependent variable is interest. The sample of this research is students who have savings at Bank Syariah Mandri, Bank Negara Indonesia Syariah and Bank Rakyat Indonesia Syariah. Collecting data using a questionnaire that was distributed directly as many as 100 questionnaires. The method used in this research is multiple linear regression analysis, with hypothesis testing t test and f test. The results of this study indicate that service quality has a significant positive effect on interest, while promotion has a positive but not significant effect on interest. For service quality and promotion together have a significant positive effect on interest. The results of this study in the future contribute to the increase in Islamic bank customers through the use of wadiah contracts by improving the quality of services they have and increasing the promotions created.

Penilaian Kinerja Bank Syariah Menggunakan Pendekatan Maqashid Syariah Indeks Periode Tahun 2018-2020

The aim of the study is to determine the performance of Islamic Bankand how to compare the performance of Islamic Bankin Indonesia in 2018-2020 as measured by the maqashid sharia index. This research includes descriptive quantitative research, with the research object of four Islamic banks, namely Bank Negara Indonesia Syariah, Bank Rakyat Indonesia Syariah, Bank Syariah Mandiri, and Bank Muamalat Indonesia. The data used are the 2018-2020 annual financial reports obtained from the official websites of each bank. The method used is the Maqashid Syariah Index (MSI) and the data analysis technique uses SAW (Simple Attribute Decision Making). The results of the study are (1) the performance of Islamic Bankfor three years has fluctuated. However, (2) each Islamic Bank has its own advantages from each objective of the Maqashid Syariah Index, as well as, there are Bankthat are incomplete in providing the information needed to conduct a performance assessment.

Pengaruh Kualitas Pelayanan dan Kepercayaan Terhadap Kepuasan Nasabah Bank Rakyat Indonesia Syariah (Studi Pada Bank Rakyat Indonesia Syariah Cabang Darussalam Banda Aceh)

This study aims to determine the effect of service quality and trust on customer satisfaction at Bank Rakyat Indonesia Syariah Darussalam branch, Banda Aceh. This study uses a quantitative approach using multiple regression analysis. The sampling technique in this study was random sampling. Data collection techniques in this study by distributing questionnaires to 100 respondents. The results of this study indicate; (1) the service quality variable has no effect on customer satisfaction, (2) the trust variable has a positive and significant effect on customer satisfaction, and (3) together service quality and trust have an effect on customer satisfaction

Studi Komparatif: Kualitas Layanan Mobile Banking BRI Syariah dan Bank Syariah Indonesia

The purpose of this study is to show whether or not there is a difference in the quality of the value of mobile banking at BRI Syariah and Bank Syariah Indonesia. In this study, quantitative techniques were used by straddling a sample of 35 respondents where customers of Bank Syariah Indonesia (BSI) Ex. Bank Rakyat Indonesia Syariah (BRIS) KCP Sumedang Tanjungsari 2 which responded to the quality of mobile banking services between before and after becoming Bank Syariah Indonesia (BSI). The indicator of the quality of the mobile banking service used is a questionnaire or questionnaire distributed in this study, while checking the hypothesis using a free sample t test. Judging from the results of analyzing the data, it can be seen the average value of mobile banking services at Bank Syariah Indonesia > the average value of mobile banking services at BRI Syariah. It can be concluded that the quality of mobile banking services felt by customers at Bank Syariah Indonesia is better than BRI Syariah, while judging by the results of the free sample t-test data, this study did not get a significant difference between mobile banking services at BRI Syariah and Islamic Banks. Indonesia.

The Effect of Non Performing Financing (NPF) and Earning Asset Quality (KAP) on Return On Assets (ROA) at PT. Bank Rakyat Indonesia Syariah, Tbk 2009-2018

Return On Assets (ROA) is a ratio used to determine the bank's ability to generate profits. The problem in this research is that there is a phenomenon that is not in accordance with the theory. Where, in 2011 the fourth quarter of Non Performing Financing (NPF) decreased accompanied by a decrease in the value of Return On Assets (ROA), as well as Earning Asset Quality (KAP) increased but was not followed by an increase in Return On Assets (ROA). This research is a quantitative research, with the research location at PT. Bank Rakyat Indonesia Syariah, Tbk using secondary data as many as 40 samples in the form of quarterly consolidated financial statements obtained from the website www.ojk.go.id. Analysis of the data used is multiple linear regression test, classic assumption test, coefficient of determination (R2), as well as t test and F test. The results of the partial study (t test) show that Non Performing Financing (NPF) has a significant effect on return. On Assets (ROA), as evidenced by tcount ttable (2.464 2.026) with a significance level of 0.019 0.05, and Earning Asset Quality (KAP) has a significant effect on Return On Assets (ROA), as evidenced by - tcount -ttable that is (-3.385-2.026) with a significance level of 0.002 0.05. Meanwhile, simultaneously Non-Performing Financing (NPF) and Earning Asset Quality (KAP) have a significant effect on Return On Assets (ROA) as evidenced by Fcount Ftable (8.981 3.25) with a significant level of 0.001 0.05.The Effect of Non Performing Financing (NPF) and Earning Asset Quality (KAP) on Return On Assets (ROA) at PT. Bank Rakyat Indonesia Syariah, Tbk 2009-2018

Analisis Pengaruh Tingkat Inflasi Dan Tingkat Bagi Hasil Terhadap Profitabilitas Pada Bank Umum Syariah Di Indonesia

This study aims to determine the effect of Inflation Rate and Profit Sharing Rate on Sharia Commercial Bank Profitability in Indonesia. The independent variable (independent) in this study is the level of inflation and the level of profit sharing, while profitability is the dependent variable. In this study, researchers used Return on Assets (ROA) as an indicator for profitability.
 The method used is descriptive method and verification method. The data used are secondary data sourced from Financial Statements that have been published by Bank Muamalat Indonesia, Bank Rakyat Indonesia (BRI) Syariah, Bank Bukopin Syariah, Bank Negara Indonesia (BNI) Syariah, and Bank Central Asia (BCA) Syariah. The data analysis technique used is panel data regression analysis and classic assumption test, because the data used are secondary data and the type of data used is a combination of cross section data and time series data. Data processing techniques using the help of Eviews 9 program.
 Based on data analysis that has been done using panel data regression and classical assumption tests, it is found that the Inflation Rate has a negative and significant effect on Return on Assets (ROA), this result is evidenced by the significance value of 0,0012 and the regression coefficient shows a figure of -0,0817. Level of Profit Sharing is positive and significant effect, this result is evidenced by the significance value of 0.0000 and the regression coefficient shows a figure of 0,1644. The coefficient of determination (R-square) value is 77,26%.
 
 Keywords: Inflation Rate, Profit Sharing Rate, Return on Assets (ROA).

Analisis Komperatif Kinerja Keuangan Bank Syariah dan Bank Konvensional Antara BRI dan BNI dengan Pendekatan Camel

Bank is an important financial institution so that its performance needs to be maintained in order to work properly and optimally. The purpose of this study is to analyze the comparison of the financial performance of Islamic banks and conventional banks in Indonesia. This research is a comparative quantitative research using a comparison design of two averages from two independent populations. The samples in this study were 2 Islamic banks (Bank Negara Indonesia Syariah and Bank Rakyat Indonesia Syariah) and 2 conventional banks (Bank Negara Indonesia and Bank Rakyat Indonesia). The bank's financial performance assessment method used in this study is CAMEL with financial ratios namely CAR, NPL, NIM, ROA, BOPO, and LDR. Data were analyzed using the mean difference test of two unpaired groups (independent sample t-test). The results of this study indicate that there are significant differences in the ratio of NPL, ROA, BOPO, LDR between Islamic banks and conventional banks. The results of the analysis show that the financial performance of Islamic banks is better based on the ratio of NPL, NIM, BOPO, LDR. While the financial performance of conventional banks is better based on the ratio of CAR, ROA.

Financial and Social Performance of Indonesia's State-Owned Islamic Banks

The government has started the process of merging three state-owned bank's sharia subsidiaries to accelerate the growth of Islamic banking in Indonesia. This study was conducted to see the effect of financial performance as measured by Return on Assets (ROA) and Firm Size on social performance as measured by Islamic Social Reporting (ISR) index. This study uses data that form of annual reports published by Bank Syariah Mandiri (BSM), Bank Negara Indonesia Syariah (BNIS) and Bank Rakyat Indonesia Syariah (BRIS) in 2010-2019. Islamic Social Reporting (ISR) is the dependent variable with Return on Assets (ROA) and Firm Size as independent variable. Fixed effect model is better than random effect model in this research. ROA have no effect on ISR. Whereas Firm Size have positive effect on ISR. It means thath the larger banking size the better the social performance. The new state-owned Islamic bank with the bigger size also improve social performance.

Analisis Harga Saham Sebelum dan Sesudah Merger (PT. Bank Syariah Indonesia Tbk).

Sharia banking is one of the nation's economic solutions, this is because economic activity is the backbone of the driving force for national stability, then at this time national economic activities must be started moving towards a sharia-based economy. The development of Islamic banking in Indonesia has resulted in a merger or merger of 3 (three) existing Islamic banks, namely Bank Syariah Mandiri (BSM), Bank Negara Indonesia Syariah (BNIS) and Bank Rakyat Indonesia Syariah (BRIS). The definition of a merger is a process of merging two companies, where one of them remains standing by using the name of the company, while the other company disappears and all of its assets are put into the company that remains standing. There are several types of mergers, including horizontal, vertical and conglomerate mergers. Each merger has its own characteristics. Horizontal merger is a process of merging between two or more companies, where the type of business of the company is still the same. As is happening in the banking industry, of course, the merger is carried out because there are certain goals and reasons to be achieved. Based on some of the problems above, the researcher wants to conduct research on what are the effects or impacts of the merger of three BUMN Sharia Banks on the development of the Islamic economy in Indonesia.