TY - JOUR AU - Rika Nurlaila AU - Ismi Kuswati AU - Ibnu Muttaqin PY - 2022/07/20 Y2 - 2024/03/28 TI - Comparison of the Financial Performance of Bank Syariah Indonesia Pre and Post Merger During the Covid-19 Pandemic JF - Annual International Conference on Islamic Economics and Business (AICIEB) JA - aicieb VL - 2 IS - 1 SE - ARTICLES DO - https://doi.org/10.18326/aicieb.v2i1.133 UR - https://conferences.uinsalatiga.ac.id/index.php/aicieb/article/view/133 AB - The Covid-19 pandemic also affects the banking sector, this condition can reduce the competitiveness of Islamic banks. Nevertheless, the Minister of SOEs merged the BUMN Sharia banks, namely BRIS, BNIS, and BSM to become Bank Syariah Indonesia. This study aims to compare the financial performance of Bank Syariah Indonesia before and after the merger during Covid-19, on the ratio of ROA, NPF Nett, FDR, BOPO, and CAR. This study uses a comparative research method with quantitative data analysis using the Paired Sample t-test. Data collection was obtained through the official BSI website. In this study, it was found that there were differences in BSI's financial performance between pre and post-merger in terms of ROA, Net NPF, FDR, and BOPO, while the CAR ratio did not show any difference between pre and post-merger. These results provide recommendations to further researchers that it is necessary to increase the research ratio variable and the latest year of financial performance data. ER -