Azizah, Regina Prifilia (2015) DAMPAK SPIN OFF TERHADAP KINERJA KEUANGAN BANK SYARIAH: Survei pada Bank Umum Syariah yang Melakukan Spin Off. S1 thesis, Universitas Pendidikan Indonesia.
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Abstract
Penelitian ini bertujuan untuk mengetahui dan menganalisis perbedaan kinerja keuangan bank syariah sebelum dan sesudah spin off. Metode yang digunakan dalam penelitian ini adalah metode penelitian deskriptif, dengan teknik pengumpulan data sekunder dengan populasi dalam penelitian ini adalah 4 Bank Syariah yang telah melakukan spin off yaitu, Bank BNI Syariah, Bank BRI Syariah, Bank BJB Syariah, dan Bank Bukopin Syariah. Data yang telah terkumpul kemudian dianalisis dengan menggunakan uji beda rata-rata sampel untuk melihat perbedaan sebelum dan sesudah spin off. Indikator kinerja keuangan bank berdasarkan metode CAMEL menurut peraturan Bank Indonesia No.6/10/PBI/2004 tanggal 12 April 2004 perihal Tatacara Penilaian Tingkat Kesehatan Bank Umum. Berdasarkan hasil penelitian dan pembahasan diperoleh hasil sebagai berikut: 1) Kinerja keuangan Bank Syariah sebelum spin off menunjukkan pada kriteria baik yaitu pada ROA ROE NPF Bank BNI, NPF Bank BRI, dan NPF FDR Bank Bukopin; dan kriteria sangat baik yaitu pada CAR BOPO FDR Bank BNI, CAR ROA ROE BOPO FDR Bank BRI, CAR ROA ROE BOPO NPF FDR Bank BJB, CAR ROA ROE BOPO NPF FDR Bank Bukopin. 2) Kinerja keuangan Bank Syariah sesudah melakukan spin off kurang baik yaitu pada ROE FDR Bank BRI Syariah, ROE BJB Syariah, ROA Bank Bukopin; cukup baik yaitu pada ROA ROE FDR Bank BNI Syariah, ROA BOPO Bank BRI Syariah, ROA FDR Bank BJB Syariah, ROE FDR Bank Bukopin Syariah; kriteria baik yaitu pada NPF Bank BRI Syariah, dan NPF Bank Bukopin Syariah; dan , sangat baik yaitu pada CAR BOPO NPF Bank BNI Syariah, CAR BRI Syariah, CAR BOPO NPF Bank BJB Syariah, dan CAR BOPO Bank Bukopin Syariah. 3) Secara statistik dengan menggunakan uji beda rata-rata bahwa terdapat perbedaan antara sebelum dan sesudah spin off. Ini menunjukkan bahwa spin off berdampak pada kinerja Bank Syariah, kecuali NPF tidak mempengaruhi kinerja keuangan Bank Syariah.----------This research aims to find out and analyze the financial performance of Islamic banks the difference before and after the spin off. The methods used in this research is descriptive research methods, secondary data collection techniques with the population in this study was that Islamic banks have done a spin off that is, Bank BNI Syariah, Bank BRI Syariah, Islamic, and BJB Bank Bank Bukopin Syariah. Data that has been collected and then analyzed by using the different averaged test sample to see the difference before and after the spin off. The bank's financial performance indicators based on the method of Bank Indonesia regulations according to CAMEL No. 6/25/PBI/2004 dated 12 April 2004 about the procedures of the assessment of the level of health of public Bank. Based on the results of the study and discussion of the results obtained as follows: 1) financial performance of Islamic banks before the spin off shows on the criteria either i.e. on ROA ROE NPF NPF Bank BNI, Bank BRI, and NPF Bank Bukopin FDR; and kriteria very good i.e. on CAR BOPO FDR Bank BNI, CAR ROA ROE BOPO FDR Bank BRI, CAR ROA ROE BOPO NPF FDR Bank BJB , CAR ROA ROE BOPO NPF FDR Bank Bukopin. 2) Islamic Bank financial performance after doing a spin off less well in Bank BRI Syariah FDR ROE, ROE, ROA BJB Bank Bukopin; good enough i.e on ROA ROE FDR Bank BNI Syariah, ROA BOPO Bank BRI Syariah, ROA FDR BJB Bank Syariah Bukopin, Bank Syariah FDR ROE ; criteria either i.e. on the NPF Bank BRI Syariah, Islamic Bank Bukopin and NPF ; and excellent, i.e. on CAR BOPO NPF Bank BNI Syariah, CAR BRI Syariah, CAR BOPO NPF Bank Syariah BJB, and Bank Bukopin Syariah BOPO CAR 3.) Statistically by using different test average that there is a difference between before and after the spin off. This indicates that the spin off affects the performance of Islamic banks, except the NPF does not affect the financial performance of Islamic banks.
| Item Type: | Thesis (S1) |
|---|---|
| Additional Information: | no.panggil: S AZI: d-2015 Pembimbing: I. Amir Machmud |
| Uncontrolled Keywords: | Spin off, kinerja keuangan bank syariah |
| Subjects: | H Social Sciences > HC Economic History and Conditions |
| Divisions: | Fakultas Pendidikan Ekonomi dan Bisnis > Pendidikan Ekonomi |
| Depositing User: | Mr. Tri Agung |
| Date Deposited: | 25 Aug 2016 06:41 |
| Last Modified: | 25 Aug 2016 06:41 |
| URI: | http://repository.upi.edu/id/eprint/21907 |
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