Analysis of Banking Performance in The Aftermath of The Merger of Bank Syariah Indonesia in Covid 19

This study aims to determine sharia banking performance after the merger of Sharia Banks and Covid 19 pendemi by looking at influence NPF, FDR, BOPO, CAR financial Commercial in Period 2011-2020. research uses quantitative method with population this is all commercial banks Indonesia period Data collection done library from journal, article, or literature related required data, documentation bank implementation report question as well data OJK website. The used a statistical descriptive test, test analyzing ROA through using content analysis method, classic assumption some regression test. Results show that variables are simultaneously Simultaneously, BOPO have significant impact on (ROA) Based amount adjusted R2 0.979 which means 97.9% influenced independent variables, while 02.1% other factors outside research. Car partially had an insignificant positive effect Partially, NPF has Partially negative FDR