bankBRI konvensional dan bank BRI Syariah Acel Desjuneri, Lily Rahmawati Harahap, Rahmi Aryanti Program Studi Manajemen Universitas IBA E-mail: aceldesjuneri@gmail.com, harahaplily@gmail.com, rahmiaryanti@ Bank BRI Konvensional dan Bank BRI Syariah merupakan dua bank BUMN Indonesia yang memiliki perbedaan PerbedaanBRI dan BRI Syariah - Meskipun memiliki fungsi yang sama, yaitu sebagai tempat untuk menyimpan uang paling aman, namun tidak semua bank bekerja dengan cara yang sama. Setiap jenis bank memiliki fungsi yang berbeda beda. Bank merupakan lembaga keuangan yang memiliki kewenangan menerima simpanan uang, meminjam uang dan menerbitkan promes atau banknote. Duakelemahan utama perbankan syariah ini perlu diperbaiki guna meningkatkan kinerjanya di tahun-tahun mendatang. Dua kelemahan itu adalah harus lebih memahami kebutuhan rill dari nasabah atau customer need, dan juga meningkatkan kualitas sumber daya manusia. Demikian disampaikan Deputi Gubernur BI, Siti Ch Fadjrijah di acara seminar akhir Vay Tiền Nhanh. - PT Bank BRISyariah Tbk BRIS akan menjadi bank survivor atau entitas yang menerima penggabungan surviving entity usai merger dilakukan oleh 3 bank syariah BUMN. Dilansir Selasa 13/10/2020, ketiga bank syariah BUMN tersebut adalah BRISyariah, PT Bank Syariah Mandiri, dan PT Bank BNI Syariah."Memperhatikan Perjanjian Penggabungan Bersyarat, setelah penggabungan menjadi efektif, BRIS akan menjadi entitas yang menerima penggabungan surviving entity dan pemegang saham BNIS dan BSM akan menjadi pemegang saham entitas yang menerima penggabungan," tulis keterbukaan informasi BRIS, Selasa 13/10/2020. Sebelumnya, Menteri Badan Usaha Milik Negara BUMN, Erick Thohir kembali mengajukan wacana merger BUMN untuk meningkatkan efektivitas dan efisiensi. Disebutkan, Mandiri Syariah memiliki fokus di segmen kredit korporasi, sedangkan BRI Syariah memiliki fokus pada penyaluran pembiayaan di segmen itu, Wakil Presiden RI, Ma'ruf Amin mengatakan, merger bank syariah bisa menjadi salah satu cara yang ditempuh untuk memulihkan ekonomi nasional. Lalu, bagaimana dampak dari merger atau penggabungan bank-bank syariah tersebut? Baca juga Di 2025, Hasil Merger Bank Syariah BUMN Bisa Punya Aset Rp 390 Triliun Nasabah akan menjadi satu Ekonom Institute for Development of Economics and Finance Indef Abra Talattov menjelaskan PT Bank BRISyariah Tbk akan menjadi entitas yang menerima penggabungan surviving entity dalam merger bank syariah anak usaha BUMN. "Jadi nanti seluruh nasabah akan menjadi satu dalam satu entitas yang baru," kata dia saat dihubungi Selasa 13/10/2020. Menurut Abra konsolidasi perbankan syariah bisa menjadi momentum untuk mengoptimalkan ekonomi dan keuangan syariah. ArticlePDF AvailableAbstractp>This study aims to determine the results of the CAMEL ratio analysis Capital, Asset Quality, Management, Earnings and Liquidity at the soundness level of a Sharia BRI Bank for the period 2018-2019. The soundness level of a bank is an assessment conducted by the OJK for each bank to determine whether the bank is in good health or not. Regulations regarding the assessment of the level of health at commercial banks are contained in Bank Indonesia Regulation Number 13/1/PBI/2011 and Financial Services Authority Regulation Number 8/ and Financial Services Authority Regulation Number 4/ This type of research is a descriptive study with a quantitative approach. Descriptive research method is the method used to describe the research results by analyzing data from financial statement sources. While the quantitative research method is a study that uses data in the form of numbers as a means of analyzing and calculating. For this reason, the source of data needed in this study is secondary data which is the financial statements of a Sharia BRI Bank for the period 2018-2019. Through the data source in the form of financial reports can find out the soundness level of BRI Syariah Bank in 2018-2019 by calculating and analyzing the CAMEL the health level of Bank BRI in Indonesia with camel method . The research methodology used is qualitative descriptive research with case study approach. Which using this type of time series data from secondary data from the Indonesia Stock Exchange. Mechanical sampling using purposive sampling method with annual data from 2011 -2015. Data were analyzed using methods camel in measuring the health level of a bank. The results of this study indicate the ratio of capital represented BRI Bank capital adequacy ratio has a value of CAR above the provisions of Bank Indonesia. The ratio of assets which represented the quality of earning assets Bank BRI has KAP value ratio above the provisions of Bank Indonesia. Management ratio represented the net profit margin of Bank BRI has NPM value ratio above the provisions of Bank Indonesia. Earnings ratios are represented as return on assets and net interest margin of the Bank BRI has a value of ROA and NIM above the provisions of Bank Indonesia. While earnings ratio of other operating expenses operating income represented Bank BRI has BOPO value ratio above the provisions of Bank Indonesia. Liquidity ratio as represented current ratio of Bank BRI has a CR value ratio above Bank Indonesia. While other liquidity ratio as represented loan to deposit ratio and loan to assets ratio has a value of Bank BRI LAR LDR and above the provisions of Bank Indonesia. The health level of banks which is calculated based on the CAMEL ratio showed BRI is a bank that has a good health level.

kekurangan bank bri syariah