Transformasi Keuangan: Studi Analisis pada Konversi Syariah Bank Umum Milik Daerah Bank Riau Kepulauan
Keywords:
Conversion, Islamic Bank, BRK ShariaAbstract
This study aims to analyze the financial data of the conversion of the Regional Public Bank owned by Bank Riau Kepri (BRK) into BRK Sharia. This conversion is carried out to realize a financial institution that operates in accordance with sharia principles. The research method used is qualitative descriptive analysis. Data was collected through documentation techniques. The object of the research is the financial reports of Bank Riau Kepri before the conversion in 2021 and after the conversion, which is the financial report of 2023. Generally, the conversion process went smoothly with full support from all stakeholders. Based on the research findings, significant differences were found in the increase in financing amounts in BRK Sharia before and after the conversion process. This is evident from the company's financial ratios, where there is an increase in the FDR and BOPO ratios, but conversely, there is a decrease in the NPL/NPF, ROA, and ROE ratios. This study provides a comprehensive overview of the conversion of public banks into Islamic banks, which can serve as a reference for other banks planning to do the same.
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