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摘要

本研究旨在探讨印尼伊斯兰银行(BSI)在实施业务合并的第一年所取得的成就。数据来自BSI网站发布的几份信息和季度财务报表。本研究结果表明,由BSI执行的企业合并是一个合并,其中成为幸存者的公司是PT BRI Syariah, Tbk。而Mandiri伊斯兰银行和BNI伊斯兰银行则成为合并公司。因此,BSI是PT Bank Rakyat Indonesia (Tbk)的子公司。BSI为客户提供的产品和服务是多元化的,同时也能满足客户的需求,既有成熟的技术,也有幼稚的技术。除此之外,BSI的财务业绩在三个季度也分别呈现出积极的趋势。本研究的局限性在于仅从运营上捕捉了一年的BSI,仅从所有权比例、产品和服务以及财务绩效三个方面进行研究,相对缺乏全面的情况。下一步的研究建议是开发或采取本研究未研究的其他方面。
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KOMBINASI BISNIS BANK SYARIAH: REFLEKSI SATU TAHUN BANK SYARIAH INDONESIA
This research aims to explore the achievement of PT Bank Syariah Indonesia (BSI) in the first year implemented business combination. Data are penetrated from several information and quarterly financial statements that published through website of BSI. The results of this research show that business combination that executed by BSI is a merger where a company that become a survivor is PT BRI Syariah, Tbk., while Bank Syariah Mandiri and BNI Syariah become merging companies. So, BSI is a subsidiary company of PT Bank Rakyat Indonesia, Tbk. The products and services that offered by BSI to its customers are multi-enough and also accommodate the needs of customers both have sophisticate and naive of technology. Beside of that, the financial performance of BSI also works out positively trend during three quarters respectively. The limitations of this research are only to capture operationally one year of BSI and just take three aspects namely portion of ownership, products & services and financial performance, so relatively lack to show the comprehensive condition. The suggestion for next research is to develop or take other aspects that not studied in this research.           
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