Institutional Repository UIN Sunan Kalijaga YogyakartaANALISIS EFISIENSI KINERJA KEUANGAN PADA BANK SYARIAH INDONESIA SEBELUM DAN SESUDAH MERGER (Studi Kasus Bank Syariah Indonesia Tahun 2018-2023)NIM.: 21108030014Muhammad Alfan Fauzan Al MubarakauthorThis 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.332.1 Banks/Bank, Perbankan2025-08-08UIN SUNAN KALIJAGA YOGYAKARTA;FAKULTAS EKONOMI DAN BISNIS ISLAMThesis

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