Dynamic Role of Indonesian Islamic Banks in Increasing Economic Growth in Indonesia (Analysis of Opportunities and Obstacles of Islamic Banks After Merger)
DOI:
https://doi.org/10.22373/hpmddd13Keywords:
Merger, Bank Syariah Indonesia, Opportunities, Barriers, Economic GrowthAbstract
The role of the Islamic economy as one of the sources of Indonesia's new economic growth requires the integration of every element of the Islamic economy which is reflected in a strong Islamic economic ecosystem. This momentum is utilized by the Government of Indonesia to increase the role of Islamic economics and finance in the national economy. The merger of three Islamic banks Bank Syariah Mandiri, Bank BRI Syariah, and Bank BNI Syariah into Bank Syariah Indonesia (BSI) is expected to have an impact on strengthening economic growth in Indonesia. This study aims to determine the role of Bank Syariah Indonesia (BSI) on economic growth in Indonesia after the merger analysis of opportunities and obstacles. The research used a qualitative approach with a field study research design. Data collection techniques were carried out by analyzing interviews and documentation. The results of the study state that the opportunities for Bank Syariah Indonesia in the future are very large. Given, there are many components that support the creation of healthy and reliable Islamic banking. However, the opportunity to become an established Islamic banking cannot be separated from various challenges. Both those that come from within, and those that come from outside. The role of the economy is related to economic growth caused by the development of capital and funds from Bank Syariah Indonesia which is able to increase financing in business and national development. Bank Syariah Indonesia has consolidated assets from the merger of Rp239.56 trillion, making it the largest Islamic bank in Indonesia. The strength of Bank Syariah Indonesia's assets also includes intangible assets such as reputation, network, human capital, and management.
References
A, Nasuha. “Dampak Kebijakan Spin-off Terhadap Kinerja Bank Syariah.” 2019, n.d.
ALsheyab, Mohammad Saeed. “‘Determination of the Legal Status of Current Account Contract in Light of Jordanian Commercial Law Provisions.’” Heliyon 9, no. 7 (2023): e17929. https://doi.org/10.1016/j.heliyon.2023.e17929.
Atikah, I., Maimunah, M., & Zainuddin, F. “Penguatan Merger Bank Syariah BUMN Dan Dampaknya Dalam Stabilitas Perekonomian Negara.” SALAM: Jurnal Sosial Dan Budaya Syar-I, 2021.
Ghouse, Ghulam, Nafees Ejaz, M. Ishaq Bhatti, and Aribah Aslam. “Performance of Islamic vs Conventional Banks in OIC Countries: Resilience and Recovery during Covid-19.” Borsa Istanbul Review 22 (2022): S60–78. https://doi.org/10.1016/j.bir.2022.11.020.
Kashi, Aghilasse, Abdelkader Laallam, Naji Mansour Nomran, Ala Azmi Abumughli, and Tamy Al-Binali. “Do Institutional Environment and Corporate Governance Structures Determine Islamic Banks’ Sustainability Performance? Evidence across Key Jurisdictions in Islamic Finance Industry.” Borsa Istanbul Review, no. November 2023 (2024). https://doi.org/10.1016/j.bir.2024.06.005.
Mankiw, Gregory. Pengantar Ekonomi Makro. Ketiga. Jakarta: Salemba Empat, 2006.
Sukmaningrum, Puji Sucia, Achsania Hendratmi, Syadiyah binti Abdul Shukor, Mutiara Ramadhani Putri, and Rosin Putra Gusti. “Determinants of Sharia Life Insurance Productivity in Indonesia.” Heliyon 9, no. 6 (2023): e16605. https://doi.org/10.1016/j.heliyon.2023.e16605.
Syahputra Ilham & Irawan. “Peran Perbankan Syariah Dalam Mendorong Laju Pertumbuhan Ekonomi Indonesia” 11, no. 1 (2019): 1–14. http://scioteca.caf.com/bitstream/handle/123456789/1091/RED2017-Eng-8ene.pdf?sequence=12&isAllowed=y%0Ahttp://dx.doi.org/10.1016/j.regsciurbeco.2008.06.005%0Ahttps://www.researchgate.net/publication/305320484_SISTEM_PEMBETUNGAN_TERPUSAT_STRATEGI_MELESTARI.
Trinugroho, Irwan, Tastaftiyan Risfandy, and Mochammad Doddy Ariefianto. “Competition, Diversification, and Bank Margins: Evidence from Indonesian Islamic Rural Banks.” Borsa Istanbul Review 18, no. 4 (2018): 349–58. https://doi.org/10.1016/j.bir.2018.07.006.
Wijaya, Ibrahim Fatwa, and Andrea Moro. “Trustworthiness and Margins in Islamic Small Business Financing: Evidence from Indonesia.” Borsa Istanbul Review 22 (2022): S35–46. https://doi.org/10.1016/j.bir.2022.10.010.
Published
Versions
- 2025-07-31 (3)
- 2025-08-02 (2)
- 2025-07-31 (1)
Issue
Section
License
Copyright (c) 2025 Asriani, Agus Kurniawan, Alief Rakhman Setyanto
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish in Samarah: Jurnal Hukum Keluarga dan Hukum Islam agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed Attribution-ShareAlike 4.0 International (CC BY-SA 4.0) that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work. (See The Effect of Open Acces)
