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        <dc:title>ANALISIS EFISIENSI KINERJA KEUANGAN PADA BANK SYARIAH INDONESIA SEBELUM DAN SESUDAH MERGER (Studi Kasus Bank Syariah Indonesia Tahun 2018-2023)</dc:title>
        <dc:creator>Muhammad Alfan Fauzan Al Mubarak, NIM.: 21108030014</dc:creator>
        <dc:subject>332.1 Banks/Bank, Perbankan</dc:subject>
        <dc:description>This study aims to analyze the financial performance efficiency of Bank Syariah Indonesia (BSI) before and after the merger in the period 2018–2023. This merger combined three state-owned Islamic banks, namely BNI Syariah, BRI Syariah, and Bank Syariah Mandiri, into a new entity called BSI which began operating in 2021. The analysis was conducted using a quantitative approach with the Data Envelopment Analysis (DEA) and Stochastic Frontier Analysis (SFA) methods, which represent non-parametric and parametric approaches in measuring technical efficiency, respectively. The input variables used include operating expenses and third-party funds, while the output consists of operating income and total financing. The results show that the bank's financial performance efficiency increased post-merger, with BSI showing a high and stable efficiency score. These findings indicate that the merger has a positive impact on operational efficiency and the effectiveness of resource utilization, and demonstrate that the use of two analytical approaches provides complementary and comprehensive results.</dc:description>
        <dc:date>2025-08-08</dc:date>
        <dc:type>Thesis</dc:type>
        <dc:type>NonPeerReviewed</dc:type>
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        <dc:identifier>https://digilib.uin-suka.ac.id/id/eprint/76236/1/21108030014_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf</dc:identifier>
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        <dc:identifier>https://digilib.uin-suka.ac.id/id/eprint/76236/2/21108030014_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf</dc:identifier>
        <dc:identifier>  Muhammad Alfan Fauzan Al Mubarak, NIM.: 21108030014  (2025) ANALISIS EFISIENSI KINERJA KEUANGAN PADA BANK SYARIAH INDONESIA SEBELUM DAN SESUDAH MERGER (Studi Kasus Bank Syariah Indonesia Tahun 2018-2023).  Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.   </dc:identifier></oai_dc:dc>
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