Bank Syariah Mandiri Research Articles

Literature Review : Dampak Merger Bank Syariah Indonesia (BSI) Terhadap Karyawan dan Nasabah

This research aims to analyze the impact of the merger of Bank Syariah Indonesia (BSI) on employees and customers, using a literature review method that follows PRISMA guidelines. Data were collected from Google Scholar with related keywords, yielding 6,590 results, and 10 relevant articles were selected based on inclusion and exclusion criteria. The research results show that the merger of three state-owned sharia banks, namely Bank Syariah Mandiri, BNI Syariah, and BRI Syariah aims to increase competitiveness and efficiency in the national financial system, as well as provide better services to customers. In this merger, employees experience changes in organizational structure and work culture, and welfare, which requires a process of adaptation and adjustment. Meanwhile, the impact for customers of this merger is to offer convenience and comfort in banking services. Overall, this merger has had a positive impact in terms of improving service quality and satisfaction for both BSI employees and customers.

STRES KERJA DAN MOTIVASI KERJA PENGARUHNYA TERHADAP KINERJA KARYAWAN BANK SYARIAH MANDIRI DI KOTA MAKASSAR

This study aims to determine the effect of work stress, work motivation, and the effect of both simultaneously on the performance of Bank Syariah Mandiri employees in Makassar City. This research was conducted at the Bank Syariah Mandiri Office in Makassar City with a research unit of permanent employees aged 20-40 years with a minimum work period of 1 year and a high school educational background and a maximum of Master degree (S2). The total population is 409 employees spread across 8 branch offices and sub-branches. The method chosen to determine the sample is purposive sampling and proportional sampling method and the results obtained are 202 samples. Furthermore, data collection was carried out using questionnaire, observation, and interview methods. The research hypothesis was tested through multiple regression analysis using the SPSS program. The research shows that work stress and work motivation have a significant influence on the performance of Bank Syariah Mandiri employees in Makassar City. Unmanaged work stress can reduce productivity, loyalty, and increase employee turnover, while good work motivation tends to improve performance.

Analisis Putusan Sengketa Ekonomi Syariah Pengadilan Pasaman Barat Tentang Putusan Arbitrase Bpsk Nomor 1409/ARB/BPSK-BB/IX/2016

The great interest of the public today regarding Islamic economics, in line with the increasingly massive number of people who become customers in all Islamic Banks, which is likely to have an impact on the emergence of disputes. As an example at this time is the matter of sharia economic disputes, initially a consumer protection complaint was made through BPSK Batu Bara Regency, which then the BPSK Decision was made a Legal Objection to the West Pasaman District Court with Decision Number 55/Pdt.Sus-BPSK/2016/PN.Psb by Bank Syariah Mandiri Pasaman Barat, and was appealed to the Supreme Court of the Republic of Indonesia with Decision Number 622 K/Pdt.Sus-BPSK/2017. The purpose of this study is to determine the extent to which the law enforcement of dispute resolution is in accordance with the provisions and its application seen from the contents of the decision number Case Number 622 K/Pdt.Sus-BPSK/2017; and Decision Number 55/Pdt.Sus-BPSK/2016/PN Psb. While the location of the Dispute is in West Pasaman, West Sumetara. The result of this research is that it turns out that there is still a limited understanding of the actors of Islamic banking business activities who do not fully understand the regulations.

The Kruskal Wallis Analysis of Indonesian Sharia Banking Post-Merger

In 2020, the Ministry of BUMN decided to merge three Sharia banks in Indonesia, namely Bank Syariah Mandiri (BSM), BNI Syariah and BRI Syariah with the aim of contributing to the economy, increasing market share, as well as the aim of efficiency and increasing income from financing products. Since this phenomenon occurred, a lot of research has been carried out, one of which is examining the performance of Bank Syariah Indonesia after the merger process was carried out. This research aims to examine differences in the performance of Indonesian Sharia Banks in terms of efficiency and income aspects using the Kruskal Wallis method. It is hoped that this research can become a reference, knowledge and provide an overview for academics, the general public, customers and potential investors to assess whether the BUMN Ministry's decision to merge these three banks is considered effective and has had a positive impact on stakeholders and the banks themselves. The results of this study show that efficiency measured by EFF shows a difference, while P/L does not. Revenue as measured by ROA showed no difference, while NPM experienced changes after the merger.

Parametric Stochastic Frontier Approach To Measure Efficiency Pre-And-Post-Merger Bank Syariah Indonesia

This research analyses the efficiency of pre-and-post-merger Bank Syariah Indonesia (BSI). This research used a descriptive quantitative analysis method. The population in this research is Islamic banks, which were merged into BSI. The sampling technique was carried out using saturated samples, resulting in the merged of three Islamic Banks, namely Bank Syariah Mandiri (BSM), Bank Negara Indonesia Syariah (BNIS), Bank Rakyat Indonesia Syariah (BRIS), to become BSI. The data used is secondary data in the form of quarterly financial reports for 2019-2022. The research focused on input variables such as total fixed assets, third-party funds, operating costs, and financing. The data analysis techniques used to measure the efficiency of Islamic banks are the Econometric Model (Single Equation Model), Stochastic Frontier Analysis (SFA), and Independent Sample t-test. The result showed that pre-merger, the total fixed asset, total third-party funds, and operating cost as the input variables of the three Islamic Banks were optimal for generating financing. Therefore, the total assets, total third-party funds, and operating costs produced a more optimal impact on the distribution of total financing. It is shown that BSI, both pre-and-post-merger, has generally been efficient in its operational activities. The results of this research complement the theory related to the efficiency level of Islamic banks in terms of the amount of financing as measured by fixed assets, total third-party funds, and operational costs. Practically, the results of this research can be a reference for banks, especially Islamic banks, that will carry out mergers to measure their efficiency level.

Aplikasi Akad Murabahah Pada Pembiayaan BSM Oto Di Bank Syariah Mandiri KCP Ponorogo

Murabahah contracts are one of the most dominant financing contracts used by banking practitioners. The ideal in murabahah transactions in banking is to require buying and selling transactions between the bank and the owner of the goods (supplier), and between the bank and the customer. However, in practice what occurs is a sale and purchase transaction between the supplier and the customer as evidenced by the BPKB or cover note issued by the goods provider. Here it is as if the bank only acts as a provider of funds for customers and its position is not as a buyer, but solely as a user of financing services provided by the bank. Based on the problems mentioned above, the author wants to examine in more depth the murabahah contract for Bank Syari'ah Mandiri financing to make it clearer. The objectives of this research are: (1) To determine the application of murabahah in BSM OTO financing at Bank Syariah Mandiri KCP Ponorogo ? (2) To find out the factors that become obstacles in implementing the murabahah contract for BSM OTO financing at Bank Syariah Mandiri KCP Ponorogo ? Meanwhile, the method used in this research is a qualitative descriptive method. Data collection techniques in this research are through observation, interviews and observation techniques. The location for this research is Bank Syari'ah Mandiri (BSM) OTO KCP ​​Ponorogo (which has now changed its name to Bank Syari'ah Indonesia/BSI KCP Ponorogo). Based on data analysis, it was concluded that: (1) The application of the murabahah contract for financing BSM OTO KCP ​​Ponorogo uses the murabahah bi al-wakalah contract. (2) Meanwhile, the obstacles to the application of murabahah contracts for BSM OTO financing are: Banks are unable to fulfill several provisions in the DSN fatwa, recipients of car ownership financing are late in paying installments beyond the specified time limit, recipients of car ownership financing are unable to pay the installment amount, such as which has been agreed due to bankruptcy, the risk of movable collateral has a high risk because if execution occurs the goods could move to another place further from the customer's residence, and in terms of marketing the bank will be less competitive with leasing companies.

Analisis Manajemen Strategis Dan Manajemen Risiko Terhadap Bank Mandiri Syariah

This study aims to analyze the implementation of strategic management and risk management at Bank Mandiri Syariah (BMS) and its impact on the bank's performance and stability. This research adopts a qualitative approach by utilizing data from previous studies related to the research topic. The findings of this study indicate that BMS has implemented strong risk management practices, including risk identification, measurement, monitoring, and control. Additionally, strategic management plays a role in determining the direction of the bank and ensuring compliance with Sharia principles. The study concludes that the integration of strategic management and risk management is crucial for BMS to maintain its competitiveness and sustain growth in the dynamic Islamic banking industry.

Effects of Murâbahah Financing And Mudharabah Towards Customer Welfare Case Study at Bank Syariah Indonesia Kcp Bsd South Tangerang

At this time there are not a few banks that carry out activities conventionally or based on sharia principles. Currently the development of the Islamic financial market (Financial Market Sharia) is rife in the world, especially in countries with a majority Muslim population. This was marked by the establishment of the Islamic Financial Market in Kuala Lumpur which was pioneered by Islamic countries. The progress of the Sharia Financial Market in Indonesia, especially in Islamic banking and insurance is quite significant, followed by the Islamic capital market and pawnshops. Many financing contracts are carried out in the practice of Islamic financial institutions, for example murabahah, mudharabah, ijarah, musyarakah and so on. In this research the authors focus on murabaha and mudharabah financing. The purpose of writing this thesis is to analyze the effect of murabahah and mudharabah financing on the welfare of customers of Bank Syariah Indonesia KCP BSD South Tangerang. This research includes quantitative descriptive analysis research. The design used in this study is a correlational analysis design (a problem to find a relationship between two phenomena) precisely causal correlation. Data collection uses research instruments, data analysis is quantitative/statistical. The primary data used in this study are 132 customers who received financing according to the criteria and the secondary data in this study is in the form of documents and archives at Bank Syariah Indonesia which contains reports on customer funds that carry out murabaha and mudharabah financing. The sampling technique in this study used purposive sampling, which is a method of determining respondents to be sampled based on certain criteria. Based on the results of data analysis with the help of the SPSS 26.0 program, research that has been conducted at Bank Syariah Indonesia KCP BSD Tangerang using linear regression analysis through SPSS program data processing shows that, (1) There is an effect of Murabahah financing on the welfare of customers of Bank Syariah Indonesia KCP BSD Tangerang. The statistical test results showed that Fcount = 27.898 at db 1 and 94 was 3.94 at the 5% level. Based on the explanation above, 27,898 > 3.94 at the 5% level, so H0 is rejected, meaning that there is an influence of Murabahah financing on customer welfare of Mandiri Syariah Bank KCP Tangerang, (2) There is an influence of Mudharabah financing on the welfare of customers of Bank Syariah Indonesia KCP BSD Tangerang. The statistical test results showed that Fcount = 15.048 at db 1 and 34 was 4.13 at the 5% level.

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.

Financial Performance of Islamic Banking in Indonesia with The Maqashid Syariah Index Approach

Banking performance is measured using financial ratios. However, for Islamic banking, it is much more complex compared to conventional banking. It's not just about testing profitability levels; it's more about compliance with Islamic principles, namely Maqashid Shariah. This makes the products and performance evaluation of Islamic banking distinct from conventional banking. The purpose of this research is to assess the financial performance of Islamic Commercial Banks in Indonesia using the Maqashid Shariah Index approach for the period 2017-2019. This research is classified as descriptive quantitative research. The objects of the study are Bank Muamalat Indonesia (BMI), Bank Syariah Mandiri (BSM), Bank Tabungan Pensiun Nasional (BTPN Syariah), and Bank Aceh Syariah (BAS). The research method used the Maqashid Shariah Index analysis technique. The data used are secondary data in the form of annual reports from 2017-2019 obtained from the official websites of each bank. The research results indicate that the financial performance of Islamic Commercial Banks (BUS) using the Maqashid Shariah Index for the period 2017-2019 is as follows: Bank Syariah Mandiri (BSM) achieved the highest ranking with an index value of 0.273841 or 27.38%. The second rank is held by Bank Muamalat with an index value of 0.267941 or 26.79%. The third rank is obtained by Bank Aceh Syariah with an index value of 0.260473 or 26.047%, and BTPN Syariah has the lowest ranking with an index value of 0.1735705 or 17.35%.

Profit-Sharing Practices to Increase Profits and Development of Indonesian Sharia Banking

Objective: The purpose to be achieved in this writing is to achieve what are the factors of grants in Islamic banks regulated by law and also to study how the performance of Islamic banks in the profit-sharing system is carried out according to the views of existing Islamic law. The performance in question is not only financial performance that will be measured and researched but also a performance by measuring profit or profit and will analyze profit but also measured sharia maqasid so that the bank has management performance by the operational conditions of Islamic banks that will use Islamic law. Method: This research uses quantitative methods by analyzing the financial statements of Islamic banks from 2012 to 2023. This data is taken from the annual financial report and calculated using the Islamic maqashid model index with quadrant analysis measurement. In this case, we can know the performance of Islamic banks in terms of finance. Result: The results of this study show that the best bank performance is BRI Syariah Bank. In contrast, the bank that has the best performance according to Sharia Maqasid is BNI Syariah Bank. In contrast, banks that have good performance are Jateng Sharia Bank, Mandiri Syariah Bank, Panin Bank Syariah, and BCA Syariah. Conclusion: It can be concluded that this study shows that the best bank performance is BRI Sharia Bank while the bank that has the best performance according to sharia maqasid is BNI Sharia Bank while banks that have good performance are Bank Jateng Syariah, Bank Syariah Indonesia, Bank Panin, Bank BCA Syariah, and so on. Thus this research is carried out hopefully can provide new enlightenment for all, including the next researcher, and banking actors in Indonesia.

EVALUASI KINERJA KEUANGAN PT BANK SYARIAH INDONESIA SEBELUM DAN SETELAH DILAKUKAN MERGER

To increase the market share and strengthen the capital of Islamic banking in Indonesia as well as to expand their business, the government expanded Islamic banks externally through the merger of 3 (three) state-owned Islamic banks to become PT Bank Syariah Indonesia. The method used in this research is descriptive quantitative where this study analyzes the financial performance of Islamic Banks forming Bank Syariah Indonesia which consists of 3 (three) Islamic banks namely PT Bank Syariah Mandiri, PT Bank BRI Syariah, and PT Bank BNI Syariah during the research period 2019-2022, by comparing 2 period before and 2 period after the merger. The results of the paired sample t-test showed that there were differences for the 6 (six) financial ratios of the 9 (nine) financial ratios studied between before and after the merger in the observation period. These results indicate that the merger provided a significant improvement in the financial performance of PT Bank Syariah Indonesia.

QUALITY OF MUDHARABAH AND MURABAHAH FINANCING TO INCREASE BANK MANDIRI SYARIAH'S PROFITS

The quality of mudharabah and murabahah financing to increase Bank Mandiri Syariah's profits is an important study to explore. The aim of the research is to determine the development of mudharabah and murabahah financing products at Mandiri Syariah Banks, to determine and analyze profit growth at Mandiri Syariah Banks, and to describe the role of profit sharing and buying and selling agreements in increasing profits at Syariah Banks. This type of research is quantitative descriptive research. Quantitative descriptive research explains the position of the variables studied and the relationship between one variable and other variables. In this study there are 3 variables consisting of mudharabah financing (X1), murabahah financing (X2), as the independent variable and sharia bank net profit (Y) as the dependent variable. Bank Syariah Mandiri has made improvements to mudharabah and murabahah financing products from 2016 to 2019 experienced positive growth in assets, equity (capital) and net profit. Bank Mandiri Syariah is able to manage assets, financing, third party funds and equity well, which is then reflected in significant profit growth. Meanwhile, mudharabah and murabahah contracts increase Bank Mandiri Syariah's profits. Bank Syariah Mandiri has succeeded in increasing its mudharabah and murabahah financing products from 2016 to 2019. Previous research shows that Bank Mandiri Syariah recorded significant growth in its mudarabah and murabahah loan products as well as other financial performance aspects such as net profit, assets, and equity capital.

ANALISIS KINERJA SAHAM BANK SYARIAH INDONESIA SATU TAHUN PASCA MERGER (STUDI KASUS BANK SYARIAH INDONESIA, TBK)

This study reveals the performance of Bank Syariah Indonesia, compared to the performance of BRISyariah which is one of the banks that merged into BSI. Prior to the merger, there were three Sharia Banks owned to the state-owned Bank Association, namely Bank BRISyariah (BRIS) which had gone public, as well as Bank BNI Syariah (BNIS) and Bank Syariah Mandiri (BSM) which had not gone public. BSI's financial performance is better than the financial performance of BRIS, BNIS, and BSM as can be seen from the income statement and balance sheet, as well as from financial ratios such as ROA, ROE, EM, PM and AU. BSI's stock performance is also better than the stock performance of BRIS, as can be seen from PER and PBV. The improvement in financial performance and stock performance after the merger shows that the synergy and increased economies of scale resulting from the merger have had a positive impact on the bank's financial performance, which has also been appreciated by shareholders on the stock exchange. Meanwhile, the analysis of BSI's stock beta shows that the number after the merger is higher than the BRIS beta before the merger. However, the increase in beta cannot be concluded as an increase in systematic risk, because the beta of BNIS and BSM are not yet known.

Penerapan Outsorching Rekrutmen terhadap Loyalitas Karyawan pada Bank Syariah Padangsidimpuan

The purpose of this research is to find out how much influence the implementation of recruitment outsourcing has on employee performance loyalty at Bank Syariah Mandiri Padangsidimpuan. This research uses a descriptive method with a quantitative approach. The results obtained in this research are (1) there is a significant relationship between the implementation of recruitment outsourcing and employee performance loyalty at Bank Syariah Mandiri Padangsidimpuan; (2) means that the level of relationship between the recruitment outsourcing implementation variable and the employee performance loyalty variable is strong; (3) there is a significant relationship between the variable implementing recruitment outsourcing and the employee performance loyalty variable at Bank Syariah Mandiri Padangsidimpuan; and (4) the application of recruitment outsourcing to employee performance loyalty at Bank Syariah Mandiri Padangsidimpuan based on calculations using the determination test formula obtained a value of 52.42% while the remaining 47.58% was influenced by other factors which were not examined by the research.

Analisis Strategi Pemasaran terhadap Peningkatan Nasabah Produk Pembiayaan Warung Mikro : Studi Kasus Bank Syariah Mandiri KCP Pangkalan Tanjung Pati Provinsi Sumatera Barat

The member of Mandiri Syariah Bank KCP Pangkalan Tanjung Pati Micro Stalls Financing customers is still very small, then the target and realization of the disbursement of Mandiri Syariah Bank KCP Pangkalan Tanjung Pati Financing have also not been achieved so further steps are needed to increase Micro Warung Financing customers. used is field research (field research), which is descriptive qualitative, data sources used are primary data and secondary data. Data collection techniques through observation and interviews, at BSM KCP Base Tanjung Pati. Namely researching directly the research object to see how the marketing strategy (Marketing Mix) on micro shop products attracts customer interest. The key informant in this study is the Micro Marketing section. The results of the study show that marketing strategy is very important in attracting customer interest, namely by marketing mix and steps to attract customers' interest in Micro Warung products by monitoring microfinance customers, developing variations of Micro Warung Financing products and conducting socialization with the community in various media so that people understand on the benefits of Micro Stalls Financing.

Profit-Sharing Practices To Increase Profits And Development of Indonesian Sharia Banking

Objective: The purpose to be achieved in this writing is to achieve what are the factors of grants in Islamic banks regulated by law and also to study how the performance of Islamic banks in the profit-sharing system is carried out according to the views of existing Islamic law. The performance in question is not only financial performance that will be measured and researched but also a performance by measuring profit or profit and will analyze profit but also measured sharia maqasid so that the bank has management performance by the operational conditions of Islamic banks that will use Islamic law.
 
 Method: This research uses quantitative methods by analyzing the financial statements of Islamic banks from 2012 to 2023. This data is taken from the annual financial report and calculated using the Islamic maqashid model index with quadrant analysis measurement. In this case, we can know the performance of Islamic banks in terms of finance.
 
 Result: The results of this study show that the best bank performance is BRI Syariah Bank. In contrast, the bank that has the best performance according to Sharia Maqasid is BNI Syariah Bank. In contrast, banks that have good performance are Jateng Sharia Bank, Mandiri Syariah Bank, Panin Bank Syariah, and BCA Syariah.
 
 Conclusion: It can be concluded that this study shows that the best bank performance is BRI Sharia Bank while the bank that has the best performance according to sharia maqasid is BNI Sharia Bank while banks that have good performance are Bank Jateng Syariah, Bank Syariah Indonesia, Bank Panin, Bank BCA Syariah, and so on. Thus this research is carried out hopefully can provide new enlightenment for all, including the next researcher, and banking actors in Indonesia.

Analysis Of Islamic Banking Financial Performance Before And After The Merger

This research aims to analyze the financial performance of Islamic banking, namely BNI Syariah, BRI Syariah, and Bank Syariah Mandiri, both before and after the merger process that resulted in the formation of the new Bank Syariah Indonesia. The time period to be examined in this study encompasses the years between 2019 and 2023, with the goal of obtaining a comprehensive and detailed overview of changes in financial performance over time. The researcher will employ a quantitative approach involving the collection and analysis of numerical data. The variables to be used in this study will include financial ratios that have a close relationship with the profitability and risks experienced by Islamic banks. The research findings indicate differences in the financial performance of Islamic banking before and after the merger.

Restructuring Strategy: A Performance Review of Spin-off Islamic Banks in Indonesia

The deadline of 2023 has almost passed for the obligation to conduct a spin-off for sharia business units in Indonesia to become a fully-fledged Islamic bank. However, a number of empirical findings highlight the urgency of evaluating this policy. Furthermore, many sharia business units are unable to meet the minimal standards. The paper aims to review prior studies on how spin-off decisions affect the financial performance of spin-off Islamic banks in Indonesia. Information was gathered from the Google Scholar and Mendeley databases using a literature review methodology. This study reveals that 18 publications have tracked 10 Islamic spin-off banks and 18 financial performance indicators. Following the spin-off, six Islamic banks, including BNI Syariah, BRI Syariah, BJB Syariah, Bank KB Bukopin Syariah, BTPN Syariah, Bank Aceh Syariah, BCA Syariah, Bank Syariah Mandiri, and Panin Dubai Syariah Bank, experienced an improvement in their financial performance. Assets, third party funds, financing, market share, CAR, NPF, ROA, z-score, and Maqasid Sharia Index were the main performance indicators that experienced a significant improvement after the spin-off.

SEGMENTING AND TARGETING-BASED STRATEGIES AT PT BANK SYARIAH INDONESIA JEMBER BRANCH

To encourage the development of the Islamic economy in Indonesia, the government merged three Islamic commercial banks: BRI Syariah, BNI Syariah, and Bank Syariah Mandiri into Bank Syariah Indonesia. Some studies show that the post-merger market share of BSI increased to 3.3 per cent. However, in terms of assets and market share, Islamic banks are still inferior to conventional banks in Indonesia. The purpose of this research is to know more deeply how the market segmentation of Bank Syariah Indonesia (BSI) Jember Branch in Jember Regency and researchers want to know the development strategy carried out by Bank Syariah Indonesia (BSI) Jember Branch by using Segmenting and Targeting Strategies in Jember Regency. The method used in this research is qualitative with a case study approach. From the results of this study obtained a model of development strategy based on segmenting and targeting at BSI Jember Branch.