@thesis{thesis,
		author={Rahmaningrum  Fitriani},
		title ={ANALISA KINERJA KEUANGAN, EFISIENSI, DAN KESEHATAN BANK SYARIAH INDONESIA (BSI) SESUDAH MERGER},
		year={2023},
		url={http://eprints.stiebankbpdjateng.ac.id/1123/},
		abstract={Merger of 3 (three) Islamic Commercial Banks are: Bank Syariah Mandiri (BSM), Bank Negara Indonesia (BNI) Syariah and Bank Rakyat Indonesia (BRI) Syariah to become Bank Syariah Indonesia (BSI) aims to strengthen and increase capital, increase efficiency and improve image of Islamic banking in Indonesia. This study aims to examine the financial performance (based on liquidity, profitability, solvency and activity ratios), efficiency and health of BSI after the merger carried out by the government during the COVID-19 pandemic. The population of this research is PT Bank Syariah Indonesia (BSI) Tbk. The sample of this research is the financial statements of PT Bank Syariah Indonesia (BSI) Tbk after the merger. The sample selection method uses purposive sampling. The sample criteria used in this study are: ratios and quarterly financial reports of PT Bank Syariah Indonesia (BSI) Tbk which present quarterly financial reports for periods 1, 2, 3 and 4 in 2021 and 2022. The results of this study indicate that during the COVID-19 pandemic, BSI maintains a CAR ratio to mitigate the risk of bad financing which has the potential to increase, in other words that capital is enlarged to be able to handle post-merger financing risks amid uncertain economic conditions during the COVID-19 pandemic. BSI's performance in 2022 tends to improve compared to the previous year due to the support of Indonesia's economic situation which has been able to recover from the snares of the crisis due to the COVID-19 pandemic. In 2022, BSI will reduce its liquidity level to increase financing distribution to increase revenue, which is supported by a large composition of low-cost funds. In addition, BSI is trying to reduce its non-performing financing ratio by increasing financing at a faster rate than increasing the collection of third party funds. After the end of the pandemic, BSI's performance has become more efficient.}
		}