ANALISIS TINGKAT KESEHATAN BANK SEBELUM DAN SESUDAH SPIN OFF (Studi Keuangan Pada PT. Bank BCA Syariah Tbk, PT. BRI Syariah Tbk dan PT. Bukopin Syariah Tbk)

Rahmatika, Anggita Dwi (2020) ANALISIS TINGKAT KESEHATAN BANK SEBELUM DAN SESUDAH SPIN OFF (Studi Keuangan Pada PT. Bank BCA Syariah Tbk, PT. BRI Syariah Tbk dan PT. Bukopin Syariah Tbk). Skripsi thesis, Universitas Muhammadiyah Sukabumi.

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Abstract

The existence of Islamic Banks has increased after the issuance of Law No. 10 of 1998 which clearly legalized the existence of Islamic Banks with Conventional Banks. After the birth of the law, the establishment of other Islamic banks wws arisen, such as BNI Islamic bank (Bank BNI Syariah) and Mandiri Islamic Bank (Bank Mandiri Syariah) This development was also encouraged by the issuance of Law No. 21 of 2008 concerning Sharia Banking and explained institutional or Sharia banking activities. One of the institutions in Law No. 21 of 2008 introduced the separation or spin off. As for some sharia banks that did spin offs, namely Bank BCA Syariah, Bank BRI Syariah and Bukopin Syariah. With the spin off the three banks intended to improve their better performance The research was aimed at determining the differences in bank health at BCA Syariah, BRI Syariah and Bukopin Syariah before and after the spin-off using CAR, NPF, ROA, BOPO and FDR ratios. The research used a period of two years before and two years after the spin-off. To find out whether there would be differences in bank health before and after the spin off in the three banks, paired sample t test was used. The results of analysis show that the CAR ratio at Bank BCA Syariah and Bank BRI Syariah finds no difference before and after the spin-off, while at Bank Bukopin Syariah there were differences. Furthermore, the NPF ratio of the three banks is different. Thus, the ROA ratio at Bank BRI Syariah and Bank Bukopin Syariah is different, whereas there is no difference at Bank BCA Syariah. For the BOPO and FDR ratios of the three banks, the results are different.

Item Type: Thesis (Skripsi)
Uncontrolled Keywords: Bank Health Level, Before Spin Off, After Spin Off
Subjects: H Social Sciences > HB Economic Theory
H Social Sciences > HG Finance
Divisions: Fakultas Ilmu Sosial > Administrasi Bisnis
Depositing User: Perpus ID UMMI
Date Deposited: 27 Jan 2022 02:54
Last Modified: 27 Jan 2022 02:54
URI: http://eprints.ummi.ac.id/id/eprint/2068

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