Apakah bank syariah indonesia semakin efisien dan stabil setelah merger?

Abstract

Abstrak Penelitian ini bertujuan untuk mendeskripsikan efisiensi dan stabilitas PT Bank Syariah Indonesia, Tbk. (BSI) setelah penggabungan dari tiga bank syariah milik pemerintah Indonesia. Pendiskripsian melalui metode uji beda dengan t-Test Paired Two Sample for Means pada efisiensi dan stabilitas sembilan periode sebelum merger dan sembilan periode setelah merger. Pengukuran efisiensi berdasarkan pada pendekatan data envelopment analysis (DEA), sementara pengukuran stabilitas berdasarkan pada Z-score. Hasil pengujian menunjukkan bahwa efisiensi dan stabilitas BSI setelah merger semakin baik secara signifikan dibandingkan efisiensi dan stabilitas tiga bank syariah (PT BRISyariah, Tbk., PT Bank Syariah Mandiri, dan PT Bank BNI Syariah). Penelitian ini merekomendasikan peningkatan efisiensi dan stabilitas BSI melalui peningkatan konsentrasi pasar berbasis teknologi dan menghindari diversifikasi pendapatan yang menjadi salah satu penyebab instabilitas bank setelah merger. Kata kunci: Efisiensi; stabilitas; merger Are Indonesian Islamic banks more efficient and stable after the merger? Abstract This study aims to describe the efficiency and stability of PT Bank Syariah Indonesia, Tbk. (BSI) after the merger of three Indonesian state-owned Islamic banks. The description is through the different test method with the t-Test Paired Two Sample for Means on the efficiency and stability of nine periods before the merger and nine periods after the merger. Efficiency measurement is based on data envelopment analysis (DEA) approach, while stability measurement is based on Z-score. The test results show that the efficiency and stability of BSI after the merger is significantly better than the efficiency and stability of three Islamic banks (PT BRISyariah, Tbk., PT Bank Syariah Mandiri, and PT Bank BNI Syariah). This study recommends increasing the efficiency and stability of BSI through increasing market concentration based on technology and avoiding income diversification which is one of the causes of bank instability after the merger.