Penguatan Merger Bank Syariah BUMN dan Dampaknya Dalam Stabilitas Perekonomian Negara

Abstract

This study provides an overview of strengthening the merger of state-owned sharia banks, namely BNI Syariah, BSM, BRI Syariah which merged into Bank Syariah Indonesia (BSI). The purpose of the study was to determine the legal arrangements for strengthening the merger of Islamic banks to become BSI and its impact on the stability of state finances during the COVID-19 pandemic. The research method used in this study uses normative research with a statutory approach and a conceptual approach. Primary sources of law use legal regulations related to mergers of banking institutions and secondary sources of law from several kinds of literature such as journals and books relating to the issues being discussed. Meanwhile, legal material analysis techniques are used descriptively. The result of the research is the strengthening of the merger of BUMN Islamic banks starting with the existence of an agreement that is outlined in the written form of an Islamic commercial bank merger agreement as regulated in several applicable legal regulations. The merger of Islamic commercial banks during a pandemic is the right step to maintain the country’s economic stability, as stated in Perpu No.1 / 2020 and POJK No.18 / POJK.03 / 2020. The impact of the merger of Islamic commercial banks, of course, has a positive impact, Indonesian Islamic banks can compete globally by prioritizing more complete services, wider coverage, and better capitalization. For the state, it is certainly a good thing that can be done by the Ministry of BUMN, by initiating the merger of 3 sharia-based state-owned subsidiaries (BNI Syariah, BSM, BRI Syariah) merging into PT. Bank Syariah Indonesia, Tbk. Keywords : Merger, Sharia Banks, Finance

Challenges of Islamic Bank Merger in Indonesia: Bocr Approach

“…Besides that (Atikah et al, 2021) Based on some of the studies above, there are differences from the studies that the author did.…”

Indonesia Islamic Bank Merger: Stages, Challenges, and Strategies

“…An internal merger occurs when the target company is in the same ownership group, while an external merger occurs when the target company is in a different ownership group. Atikah et al (2021) research mentions a merger can be seen as a combination or merger of two or more separate companies into one company where one survives, and the other loses its corporate existence.…”

“…While research by Atikah et al (2021) states that there are several reasons why mergers can be carried out by several companies, namely growth or diversification, where companies expect rapid growth in terms of size, stock market, and diversification rather than establishing their own business. In addition, the company also has no risk to new products, meaning that it continues to run existing products and is developed simultaneously based on a mutual agreement.…”

“…Ika Atikah also conducted another research regarding the merger of BUMN Islamic banks with the title strengthening the merger of BUMN islamic banks and their impact on state economic stability. This research aims to determine the legal arrangements for strengthening the merger of Islamic banks into Indonesia Islamic Bank (BSI) and their impact on state financial stability during the COVID-19 pandemic (Atikah et al, 2021).…”

Kondisi Ekonomi Syariah Di Indonesia Pasca Mergernya Bank Syariah Bumn

“…Dampak dari penggabungan bank umum syariah, tentunya memberikan dampak positif, bank syariah Indonesia mampu bersaing secara global dengan mengedepankan layanan yang lebih lengkap, jangkauan menjadi lebih luas, dan permodalan menjadi lebih baik. Penguatan merger bank syariah BUMN menjadi Bank Syariah Indonesia dimulai dengan adanya kesepakatan yang dituangkan dalam bentuk tertulis perjanjian penggabungan bank umum syariah sebagaimana diatur dalam beberapa peraturan hukum yang berlaku (Atikah, Maimunah, & Zainuddin, 2021).…”