Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal YUME : Journal of Management Journal of Islamic Economics Lariba
Gultom, Rifyal Zuhdi
Unknown Affiliation
Religion Economics, Econometrics & Finance Health Professions Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Pre- and post-merger efficiency of Islamic state-owned bank: A case study of Bank Syariah Indonesia Hakimi, Fifi; Maf'ula, Faricha; Gultom, Rifyal Zuhdi
Journal of Islamic Economics Lariba Vol. 10 No. 1 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss1.art25

Abstract

IntroductionThe increased development of Islamic banks in Indonesia is one way the government promotes state financial inclusion. On January 27, 2021, the Financial Services Authority (Otoritas Jasa Keuangan) formally granted permission for corporate mergers. Subsequently, on February 1, 2021, BRI Syariah, Bank Syariah Mandiri, and BNI Syariah, three state-owned Islamic banking companies, were officially merged to form Bank Syariah Indonesia. This study evaluates the performance efficiency of these three Islamic banks before and after the merger and compares it to other state-owned conventional banks using the Data Envelopment Analysis (DEA) approach with the BCC model framework.ObjectivesThis study aims to compare Bank Syariah Indonesia's efficiency levels before and after the merger and assesses its performance relative to other state-owned conventional banks.MethodThis research utilizes the DEA method with the BCC model to analyze quarterly financial data from March 2019 to March 2023. The inputs considered are total deposits, personal expenses, and fixed assets, whereas the outputs are financing (loans) and income.ResultsThe results indicate that Bank Syariah Indonesia is more efficient than other conventional state-owned banks after the merger. However, pre-merger, BRI Syariah and BNI Syariah ranked first in efficiency compared to conventional state-owned banks. The post-merger analysis shows a stable and high-efficiency level for Bank Syariah Indonesia despite fluctuations.ImplicationsThe findings suggest that the merger improved Bank Syariah Indonesia's performance efficiency, making it a benchmark for state-owned banks. The study highlights the importance of mergers in enhancing efficiency and suggests areas for further improvement, such as risk-mitigation strategies during economic downturns.Originality/NoveltyThis study provides additional literature on the impact of mergers on the efficiency of Islamic banks in Indonesia. It extends previous studies on Islamic bank mergers by offering insights into performance differences before and after the merger, using Bank Syariah Indonesia as a case study.
Konsep Investasi Islam dalam Mencapai Keadilan Ekonomi Gultom, Rifyal Zuhdi
YUME : Journal of Management Vol 8, No 3 (2025)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yume.v8i3.11308

Abstract

Islam sebagai agama yang universal dan komprehensif, yang mencakup segala aspek kehidupan. Salah satunya adalah aspek ekonomi, yaitu Investasi. Investasi merupakan aktivitas yang penting dan sangat dianjurkan dalam Islam. Hal telah tertuang dalam Al-Qur’an seperti pada surah Lukman, Al-Haysr, An-nisa, dan lain-lain. Hanya investasi yang memenuhi unsur syariah saja yang dapat dilakukan oleh seorang investor. Islam menganjurkan investasi tetapi tidak semua bidang usaha diperbolehkan dalam berinvestasi. Ada aturan dan juga batasan-batasan yang halal atau boleh dilakukan dan haram atau tidak boleh dilakukan. Tujuannya adalah untuk mengendalikan manusia dari kegiatan yang justru akan merugikan atau bahkan membahayakan masyarakat. Investasi juga memberikan nilai keadilan di dalamnya. Itu terjadi apabila seluruh elemen-elemen yang terkait dapat bersinergi dengan baik, artinya semua unsur dan sistem yang ada dapat diaplikasikan secara baik dan benar. Salah satunya adalah dengan adanya zakat kemudian penguatan di bidang Institusi Keuangan Syariah juga menjadi perhatian.
Co-Authors Hakimi, Fifi Maf'ula, Faricha