Merger Bank Syariah BUMN: Strategi Peningkatan Pangsa Pasar Keuangan Syariah

Abstract

The market share of Islamic finance in Indonesia is currently still low, in stark contrast to the condition of the Muslim majority in Indonesia with the largest number in the world. As an effort to increase the market share of Islamic finance in Indonesia, the government through the Ministry of BUMN made a breakthrough by merging three state-owned Islamic banks namely BNI Syariah, BRI Syariah and Bank Syariah Mandiri into Bank Syariah Indonesia in order to expand the Islamic banking market which is the locomotive driving economic development. sharia in Indonesia. This study aims to analyze the role of the merger of state-owned Islamic banks in increasing the share of the Islamic financial market in Indonesia through a qualitative approach with a type of library research that focuses on collecting secondary data in the form of books, research results, news, magazines, journals, and other references. Based on the results of the study, the merger strategy in state-owned Islamic banks seeks to increase the share of the Islamic financial market through various advantages possessed by Bank Syariah Indonesia, among others: first, the system and work professionalism supported by the system, technological sophistication and qualified service features so as to provide various conveniences in financial transactions. Second, the amount of capital assets accompanied by various product innovations resulting in high sharia-based funding, stable liabilities and impressive profitability. Third, the superiority of local and regional understanding that is able to reach various economic sectors in society.