Andika, Sultan
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Menelaah Dampak Penggabungan Terhadap Profitabilitas PT. Bank Syariah Indonesia Andika, Sultan
Journal of Principles Management and Business Vol. 2 No. 02 (2023): Journal of Principles Management and Bussines
Publisher : Scimadly Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55657/jpmb.v2i02.140

Abstract

The government's progressive step regarding the policy to merge three Islamic banks is expected to provide a new financial institution alternative for the community and stimulate national economic growth. The purpose of this research is to assess the profitability before and after the merger of Bank Syariah Indonesia, which is the result of the combination of three state-owned banks: Bank Syariah Mandiri, Bank Rakyat Indonesia Syariah, and Bank Negara Indonesia Syariah. This study adopts a quantitative descriptive approach. The author conducts an analysis using a comparative descriptive method, examining profitability ratios such as ROA, ROE, ROI, OPM, and NPM. The data is obtained from financial reports published by Bank Syariah Indonesia. The research results indicate that the average profitability values of Bank Syariah Indonesia show that ROA after the merger is higher than before, reaching 1.19%, and ROE after the merger is also significantly higher, reaching 11.87%. NPM and OPM ratios also experience a remarkable increase from the pre-merger conditions, with NPM soaring to 48.96%, and OPM nearly tripling to 44.54%. However, the ROI value still shows a decrease in percentage compared to the pre-merger period.
Culinary MSMEs with Halal Certification: Resilience Factors During the Covid-19 Pandemic Andika, Sultan
Jeksyah: Islamic Economics Journal Vol. 3 No. 01 (2023): May 2023 Edition
Publisher : Fakultas Ekonomi dan Bisnis Islam _ IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/jeksyah.v3i01.637

Abstract

The presence of COVID-19 has implications on the global economy, including Indonesia. Economic downturns are not only experienced by large multinational and national companies but also impact micro, small, and medium enterprises (UMKM). This study aims to investigate the resilience factors of UMKM during the COVID-19 pandemic, with the intention of deriving survival strategies specifically tailored to UMKM in this challenging period. Research data was gathered through interviews with 100 UMKM owners in the food and beverage sector, comprising both those with halal certification and those without in Palu City. Subsequently, the UMKM were categorized into resilient and non-resilient groups for further analysis. The research methodology applied for this study involved descriptive analysis and logistic regression analysis. Based on the research findings, the factors that positively and significantly influence UMKM resilience during the COVID-19 pandemic are entrepreneurial characteristics and government support.