EPrints Universitas Amikom YogyakartaANALISIS KOMPARATIF KINERJA KEUANGAN PT BANK SYARIAH INDONESIA TBK SEBELUM DAN SESUDAH MERGERAlmira JihanKalishtyaauthorPenelitian ini bertujuan untuk menguji dan menganalisis perbedaan kinerja keuangan PT Bank Syariah Indonesia Tbk (BSI) pada periode sebelum dan sesudah dilakukannya merger. Fokus analisis diarahkan pada empat rasio keuangan utama, yaitu Return on Asset (ROA), Beban Operasional terhadap Pendapatan Operasional (BOPO), Non-Performing Financing (NPF), dan Financing to Deposit Ratio (FDR). Penelitian ini menggunakan pendekatan kuantitatif komparatif dengan sumber data sekunder berupa laporan keuangan tahunan periode 2016 – 2025. Teknik analisis data dilakukan melalui analisis deskriptif perhitungan rata-rata menggunakan perangkat lunak Microsoft Excel. Hasil penelitian menunjukkan bahwa terdapat perbedaan pada rasio ROA, BOPO, NPF, dan FDR antara periode sebelum dan sesudah merger, di mana terjadi peningkatan pada profitabilitas, perbaikan pada efisiensi operasional dan kualitas aset bank, serta pada likuiditas bank mampu menjaga stabilitas likuiditasnya di tengah proses integrasi entitas.720 Arsitektur2026-05-08Universitas AMIKOM Yogyakarta;Fakultas Sains & TeknologiThesis

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