PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH SEBELUM DAN SESUDAH SPIN-OFF (STUDI KASUS BANK BRI SYARIAH, BANK MEGA SYARIAH DAN BANK BCA SYARIAH)
Bibliographic record
Abstract
Initially the provision on spin-off separation was introduced through Law No. 40 of 2007 on limited liability company, which was followed by law No. 21 of 2008 on sharia banking, in the context of banking, spin-off is the separation of a business unit of a Banks into two or more business entities in accordance with the provisions of legislation. Under the spin-off legislation can be done in two ways: 1) Spin-off and establish a new BUS; 2) transfer the rights and obligations of UUS to a BUS affiliated with the BUK. This research uses financial data 4 (four) quarter before and after experiencing BUS experience transfer of rights and obligations UUS. The sample of research used is BRI Syariah, MEGA Syariah, and BCA Syariah. The method used is wilcoxon pair tests on the ratio of CAR, NPF, ROA, ROE, BOPO, CR, and CIF. From the results of the study showed that there is no difference in performance on the ratio of CAR, NPF, ROA, ROE, BOPO, CR, and CIF. This indicates that the spin-off does not give a performance difference to BUS's finances.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.001 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.001 | 0.000 |
| Scholarly communication | 0.002 | 0.001 |
| Open science | 0.000 | 0.001 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.049 | 0.010 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".