Indonesian Sharia Banking Law Politics Through Mergers and Digitalization of Sharia Banking

DOI

10.2991/assehr.k.211223.125How to use a DOI?

Keywords

Legal Politics; Indonesian Islamic Banking; Mergers; Digitalization

Abstract

This study aims to determine the legal politics of mergers and digitalization of Islamic banking in Indonesia, namely the basic policy of sharia banking regulations that cannot be separated from the national legal system, national and global economic system. The merger (merger) of Bank Syariah Mandiri (BSM), bank BNI Syariah (BNIS) and Bank BRI Syariah (BRIS) into one, namely Bank Syariah Indonesia (BSI) is realized as part of the effort to make the largest Islamic bank, as a national economic power and as a center of world’s Islamic economics and finance. This research is a normative juridical research, using a legal approach to banking, namely Law Number 7 of 1992, Law Number 10 of 1998 and Law Number 21 of 2008 concerning Islamic Banking and OJK Regulation, Number 12/POJK.03/2018 concerning the Implementation of Digital Banking Services by Commercial Banks (POJK). The results of this study conclude that the management of large assets in terms of capital (merger politics) and optimal management of the quality of human resources, networks and services (digitalization politics) are strategic steps to occupy the top 10 global Islamic finance positions in 2025. This optimism is fundamental, based on the roadmap that has been prepared, the opportunities mentioned above have been prepared by strengthening the business model, through a strategy of cultivating the potential of the domestic market that has not been fully explored. This opportunity can be achieved by harmonizing the economy and an Islamic world view because Indonesia is an Islamic country with the largest Muslim majority population with market characteristics dominated by business managers and other customers are young millennials who prefer digital platforms in transactions because they are considered safer, more comfortable. and easy.

Copyright

© 2021 The Authors. Published by Atlantis Press SARL.

Open Access

This is an open access article under the CC BY-NC license.

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TY  - CONF
AU  - Nur Azizah
PY  - 2021
DA  - 2021/12/24
TI  - Indonesian Sharia Banking Law Politics Through Mergers and Digitalization of Sharia Banking
BT  - Proceedings of the International Joint Conference on Arts and Humanities 2021 (IJCAH 2021)
PB  - Atlantis Press
SP  - 722
EP  - 728
SN  - 2352-5398
UR  - https://doi.org/10.2991/assehr.k.211223.125
DO  - 10.2991/assehr.k.211223.125
ID  - Azizah2021
ER  -