Merger Dan Manajemen Risiko: Perbandingan Profil Risiko Sebelum Dan Setelah Merger Pt Bank Syariah Indonesia

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Published: Feb 21, 2024

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Agus Sani
a:1:{s:5:"en_US";s:39:"Universitas Muhammadiyah Sumatera Utara";}

Abstract

This study was conducted with the aim of uncovering and confirming the role of corporate merger or unification strategies as a risk hedging mechanism for companies. The objects of this research are Bank BRI Syariah, Bank BNI Syariah, Bank Syariah Mandiri which have merged to become Bank Syariah Indonesia. This project a descriptive analysis approach carried out by analyzing the financial reports of Bank Syariah Indonesia and comparing risks before and after the merger. Analysis was carried out on 3 risk profiles including credit, liquidity and investment risks. The ratio measurement for these risks is based on OJK regulation No 10/SEOJK.03/2014 concerning Health Assessment of Sharia Commercial Banks based on risk-based rating. The results provide evidence that the merger process of BUMN Sharia banks into a new entity called PT Bank Syariah Indonesia is able to act as a hedge in minimizing the risk of market uncertainty

Article Details

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Vol. 5 No. 1 (2024): January -April
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Articles
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