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All Journal Perspektif : Jurnal Ekonomi dan Manajemen Universitas Bina Sarana Informatika Moneter : Jurnal Akuntansi dan Keuangan JIA (Jurnal Ilmiah Akuntansi) Account : Jurnal Akuntansi, Keuangan dan Perbankan Jurnal AbdiMas Nusa Mandiri Journal of Asset Management and Public Economy Proceeding National Conference Business, Management, and Accounting (NCBMA) Jurnal Multidisiplin Sahombu Jurnal Akuntansi
Ratiyah, -
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Arts Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Law, Crime, Criminology & Criminal Justice Mathematics Physics Social Sciences Other

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Journal : Jurnal Multidisiplin Sahombu

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Determinants of Profitability in Bank Syariah Indonesia Post-Merger: an Empirical Analysis of CAR, BOPO, and NPF on ROA During 2021–2024 Hartanti, Hartanti; Ratiyah, Ratiyah; Setyaningsih, Eka Dyah; Imelda Sari
Jurnal Multidisiplin Sahombu Vol. 5 No. 07 (2025): Jurnal Multidisiplin Sahombu, November (2025)
Publisher : Sean Institute

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Abstract

This study examines the profitability performance of Bank Syariah Indonesia during the post-merger period by analyzing the influence of capital strength, operational efficiency, and financing quality on the return generated from total assets. A quantitative approach is employed using secondary financial data obtained from official publications to evaluate the relationship among key internal banking indicators. The analysis reveals a consistent improvement in profitability that aligns with enhanced efficiency and stronger risk management practices. Operational efficiency demonstrates the strongest contribution to profitability, while financing quality also shows a substantial effect through its role in managing credit risk. Capital strength exhibits a positive yet relatively limited influence, suggesting that excess capital may not always translate into higher earning capacity. The findings highlight the importance of digital transformation, disciplined cost management, and prudent financing strategies in sustaining the financial performance of Islamic banks in a competitive environment.
Co-Authors Amaro, Ceisya Amelia, Dilla Rizky Denny Erica Dewi, Adisty Ratna Dinar Riftiasari Eka Dyah Setyaningsih Hartanti Hartanti, Hartanti Imelda Sari Irwin Ananta Vidada Kurnia, Aini Muchtar, Lukman Sri Prabowo, Amelia Novita Pratama, Daffa Rinaldi Reptiningsih, Eni Shah, Syed Muhammad Abdul Rehman Syamsul Bahri Thalia, Alinda Wahyuningrum, Shinta