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All Journal Jurnal Ilmiah Widya Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam
Kurniawan, Herwin
Universitas Muhammadiyah Prof. DR. HAMKA
Economics, Econometrics & Finance Other

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ANALISIS RETURN ON ASSET (ROA) BEBERAPA BANK PASCA MERGER DI INDONESIA Kurniawan, Herwin
Jurnal Ilmiah Widya Vol 4 No 3 (2018)
Publisher : Lembaga Layanan Pendidikan Tinggi Wilayah III Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (34.012 KB)

Abstract

Abstrak: Adanya program Arsitektur Perbankan Indonesia (API) pada  tahun 2004, telah mendorong beberapa Bank melakukan kegiatan Merger & Akuisisi (M & A), yang merupakan salah satu alternatif strategi untuk memperkuat kinerjanya. Salah satu alat ukur untuk menilai kinerja suatu Bank adalah rasio Return on Asset (ROA) yaitu rasio antara laba yang diperoleh Bank dengan Total Asset. Tujuan penelitian ini untuk menganalisis Return on Asset  (ROA) beberapa Bank pasca merger di Indonesia. Penelitian ini menggunakan metode deskriptif. Data laporan keuangan bank yang diteliti dikumpulkan dengan telaah dokumen dan diolah serta dianalisis secara statistik deskriptif yaitu dengan menggunakan analisis rasio keuangan Perbankan. Hasil penelitian menunjukan bahwa belum semua bank yang melakukan kegiatan Merger & Akuisisi memperlihatkan  kinerja yang baik. Kegagalan dalam mempertahankan atau meningkatkan kinerja Bank dipengaruhi oleh buruknya kualitas asset produktif, tidak efisien dalam mengelola bisnis, dan menurunnya CAR bank. Kata kunci: merger & akuisisi, ROA, bank. Abstract: The existence of the program Indonesia Banking Architecture (API) in 2004, has encouraged some banks conducting mergers & Acquisition (M & A), which is one of the alternative strategies to strengthen its performance. One measurement tool to assess the performance of a Bank is the ratio of Return on Assets (ROA) ratio between the profits that accrue to the Bank by Total Assets. The purpose of this research was to analyze the Return on Asset (ROA) some banks post merger in Indonesia. This research uses descriptive method. The bank's financial statements data are examined by an examination of the documents collected and processed and analyzed with descriptive statistics using analysis of financial ratios banking. The research results showed that not all of the banks that do Mergers Acquisitions & showed good performance. Failure in maintaining or improving the performance of the banks affected by the poor quality of the productive assets, are not efficient in managing the business, and the depreciation of the CAR bank. Key words: merger & acquisition, ROA, bank.
Strategi Pemberdayaan Pembangunan Sosial Melalui Gerakan Filantropi Islam Ulza, Emaridial; Kurniawan, Herwin
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol 2 No 1 (2018): Juni
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (567.268 KB) | DOI: 10.22236/alurban _vol2/is1pp32-42

Abstract

This research would like to see the patterns of Social Development Empowerment Through Islamic Philanthropy Movement. The main problem in philanthropy is the lack of proper strategy in implementing Lembaga Amil Zakat (LAZ) and Badan Amil Zakat (BAZ) in Indonesia. In particular the philanthropy movement undertaken by Lazismu does not run evenly in every region. There are only certain Lazismu such as Lazismu Central Java, Lazismu East Java, and Lazismu Yogyakarta. One example of Lazismu Central Java in the month of Ramadan managed to collect money of 37 billion. This figure is a fantasy number that can be collected in just 1 month by this newly established philanthropic institution. The results of this study produce relationships with others. Islamic philanthropy and eminent empowerment strategy became a better philanthropic movement of Islam.
Co-Authors Ulza, Emaridial