%A NIM.: 21203012040 Embun Nada Rahmi, S.H
%O Pembimbing: Dr. Abdul Mughits, S.Ag., M.Ag.
%T ANALISIS RISIKO KEBIJAKAN MERGER TERHADAP PROFITABILITAS DAN PERSAINGAN USAHA PERBANKAN SYARI’AH DI INDONESIA
%X A merger is the combining of two or more businesses into one. To become an Indonesian Sharia Bank, BRIS, BNIS, and BSM carried out a sharia banking merger in 2020. Apart from aiming to advance sharia to the national or international level, this merger is expected to facilitate the growth of other sharia banks, including Bank Muamalat Indonesia, BCA Syariah, BTPN Sharia, and Bank Sinarmas Syariah, allows them to move forward together. Government Regulation Number 27 of 1998 concerning Mergers, Consolidations and Takeovers, Law Number 21 of 2008 concerning Limited Liability Companies, and POJK No. 41/POJK.3/2019 all regulate merger policies.
This research uses a certain type of research called library research. The research methodology for this thesis is normative juridical. The research methodology used is descriptive-analytic. a procedure that uses collected data or samples to explain or provide an overview of the thing being studied. An overview of the impact of merger regulations on business competition and profitability of Indonesian banks is presented in this research. First, the author collected information from primary sources, as required by Law Number 5 of 1999 concerning Prohibition of Monopoly Practices and Unfair Business Competition; secondly, they collected information from Government Regulation Number 57 of 2010 concerning mergers or consolidation of business entities and share takeovers; third, collecting information from Financial Services Authority Regulation Number 41/POJK.03/2019; and finally consult with Law Number 21 of 2008 concerning Sharia Banking. Second, banking statistical data, the Financial Services Authority, secondary data, and a number of other sources of assistance.
The research findings show that although the five banks had good financial management during implementation, BSI Bank's changes after the merger increased significantly faster than the other four Islamic banks, according to each bank's asset report. Since the BSI merger took effect, other sharia banks have found it difficult to keep up with the rapid advances in BSI technology. The attached data shows that there is only business competition in the economic industry between BSI and other sharia banks, not monopolistic practices or prohibited mergers, as can be seen from the analysis of the elements of Article 17 and Article 28 Paragraph (1) of Law Number 5 of 1999. Likewise, According to Islamic Economic Law, the merger carried out by BSI is a form of implication of Mudharabah-Musyarakah cooperation.
%K Kebijakan Merger, Profitabilitas, Persaingan Usaha
%D 2024
%I UIN SUNAN KALIJAGA YOGYAKARTA
%L digilib63870