TA DIGITAL
Analisis Perbandingan Return On Assets, Capital Adequacy Ratio, dan Biaya Operasional dan Pendapatan Opeasional Pada Bank Syariah di Indonesia Sebelum dan Sesudah Spin-Off = Comparative Analysis of Return On Assets, Capital Adequacy Ratio, and Operational Costs and Operational Income at Sharia Banks in Indonesia Before and After Spin-Off
Iffadila, “Analisis Perbandingan Capital Adequacy Ratio (CAR), Return On Assets (ROA), dan Biaya Operasional dan Pendapatan Operasional (BOPO) Pada Bank Syariah di Indonesia Sebelum dan Sesudah Spin-Off ”, Tugas Akhir DIII Jurusan Auntansi Politeknik Negeri Semarang, di bawah bimbingan Mochammad Abdul Kodir , S.E., M.M. dan Mirasanti Wahyuni, S.E., M.Si. ,Agustus 2023, 82 halaman
Penelitian ini bertujuan untuk mengetahui dan menganalisis bagaimana Perbandingan CAR, ROA, dan BOPO Pada Bank Syariah di Indonesia Sebelum dan Sesudah Spin-Off. Populasi penelitian ini adalah 7 Bank Syariah yang sudah spin-off. Dengan Teknik pengambilan data 2 tahun sebelum dan 2 tahun sesudah spin-off. Metode analisis data yang digunakan dalam penelitian ini adalah Sample Paired T-Test. Hasil Penelitian ini menunjukkan bahwa CAR pada Bank BNI Syariah, Bank BRI Syariah, Bank BCA Syariah, Bank BJB Syariah, dan Bank Victoria Syariah terdapat perbedaan signifikan sesudah spin-off, sedangkan Bank Bukopin Syariah dan Bank BTPN Syariah tidak terdapat perbedaan sesudah spin-off. ROA Bank BRI Syariah, Bank BJB Syariah, dan Bank Bukopin Syariah terdapat perbedaan yang signifikan, sedangkan Bank BNI Syariah, Bank BCA Syariah, Bank Victoria Syariah, dan Bank BTPN Syariah tidak terdapat perbedaan yang signifikan sesudah spin-off. BOPO Bank Victoria Syariah, Bank BJB Syariah, Bank Bukopin Syariah, dan Bank BTPN Syariah terdapat perbedaan signifikan sesudah spin-off, sedangkan Bank BNI Syariah, Bank BRI Syariah, Bank BCA Syariah tidak terdapat perbedaan yang signifikan sesudah spin off.
Kata Kunci : Spin-Off, CAR, ROA, BOPO
ABSTRACT
Iffadila, "A Comparative Analysis of Capital Adequacy Ratio (CAR), Return On Assets (ROA), and Operational Costs and Operating Income (BOPO) at Islamic Banks in Indonesia Before and After the Spin-Off", Final Project DIII, Bibi Department, Semarang State Polytechnic, under the guidance of Mochammad Abdul Kodir , S.E., M.M. and Mirasanti Wahyuni, S.E., M.Si. , August 2023, 82 page
This study aims to find out and analyze how CAR, ROA, and BOPO Comparisons in Islamic Banks in Indonesia Before and After the Spin-Off. The population of this research is 7 Sharia Banks that have spin-off. With data collection techniques 2 years before and 2 years after the spin-off. The data analysis method used in this study is the Sample Paired T-Test. The results of this study indicate that there is a significant difference in CAR at Bank BNI Syariah, Bank BRI Syariah, Bank BCA Syariah, Bank BJB Syariah, and Bank Victoria Syariah after the spin-off, while Bank Bukopin Syariah and Bank BTPN Syariah have no difference after the spin-off . ROA Bank BRI Syariah, Bank BJB Syariah, and Bank Bukopin Syariah have significant differences, while Bank BNI Syariah, Bank BCA Syariah, Bank Victoria Syariah, and Bank BTPN Syariah have no significant differences after the spin-off. The BOPO of Bank Victoria Syariah, Bank BJB Syariah, Bank Bukopin Syariah, and Bank BTPN Syariah had significant differences after the spin-off, while Bank BNI Syariah, Bank BRI Syariah, Bank BCA Syariah had no significant differences after the spin off.
Keywords : Spin-Off, CAR, ROA, BOPO
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