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All Journal Economica: Jurnal Ekonomi Islam Digital Muslim Review
Mursyidi, Ach Fatayillah
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Religion Arts Humanities Economics, Econometrics & Finance Social Sciences Other

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Evaluating the Spin-Off Readiness of Sharia Business Units for Islamic Banking Expansion in Indonesia Dja’akum, Cita Sary; Huda, Nur; Ryandono, Muhamad Nafik Hadi; Mujibatun, Siti; Mursyidi, Ach Fatayillah
Economica: Jurnal Ekonomi Islam Vol. 15 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2024.15.2.22696

Abstract

This study aims to evaluate the readiness of Sharia Business Units (SBUs) in Indonesia to undertake the mandated 2023 spin-off, which would result in these units operating independently from their parent banks. The research employs a qualitative approach, with data collected through documentation and literature review. The study focuses on 20 SBUs, which include one unit from a state-owned enterprise (BUMN), 13 units from regionally-owned enterprises (BUMD), and six units from private banks. Findings indicate that approximately 50% of these SBUs are not sufficiently prepared to separate from their parent institutions due to constraints in assets, capital adequacy, and health metrics. This lack of preparedness is compounded by deficiencies in infrastructure and human resources, which collectively affect the financial, operational, and human capital stability of these units. Consequently, the findings suggest that most SBUs are not ready for a spin-off by 2023. Policy implications: The findings underscore the need for regulatory and developmental support to strengthen SBUs prior to spin-off. The study recommends that future policy address the capital and human resource limitations in Islamic banking to ensure successful spin-offs and sustainable growth in the sector.
Spin-Off as a Strategy to Accelerate Islamic Banking Growth in Indonesia: Assessing the Readiness of Sharia Business Units Dja’akum, Cita Sary; Huda, Nur; Ryandono, Muhamad Nafik Hadi; Mujibatun, Siti; Mursyidi, Ach Fatayillah
Economica: Jurnal Ekonomi Islam Vol. 15 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2024.15.2.22696

Abstract

Islamic banking in Indonesia has grown significantly in recent years, supported by legal mandates encouraging structural separation between conventional and Sharia banking. This study aims to assess the readiness of Sharia Business Units (UUS) to implement the 2023 spin-off policy. A qualitative research approach was employed, with data collected through documentation and literature review. The study examined 20 Sharia Business Units, including one unit from a State-Owned Enterprise (Bank Tabungan Negara), 13 units under Regionally-Owned Enterprises (BUMD), and six units affiliated with private banks. The findings show that 50% of the assessed Sharia Business Units are not prepared to separate from their parent banks, particularly in terms of asset size, capital adequacy, and overall institutional health. Most UUS lack sufficient capital readiness, infrastructure, and qualified human resources to operate independently. When viewed holistically—across financial, operational, and HR dimensions—the majority of UUS included in this study were not ready for the 2023 spin-off. These findings provide valuable insights for regulators and stakeholders in the Islamic banking industry, particularly in shaping future policies and support mechanisms for Sharia Business Units transitioning toward independence.
Social Media and the Fragmentation of Religious Authority among Muslims in Contemporary Indonesia Hannan, Abd; Mursyidi, Ach Fatayillah
Digital Muslim Review Vol. 1 No. 2 (2023): December
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/dmr.v1i2.10

Abstract

This study examines the massive use of social media, its role, and its influence on splitting religious authority among internal Muslims in contemporary Indonesia. There are two research questions raised in this study: how is the existence and reality of the popularity of Indonesian Muslims amid the rapid development of social media? How does religious authority within Indonesian Muslims experience fragmentation and the massive use of social media? This study is a netnographic research based on qualitative research. Two types and sources of data are used: primary data in the form of text, visual videos, and images obtained from several social media, especially Instagram and YouTube. In addition, there is also secondary data in the form of statistical data and literature. After analysing field data based on the perspective of Max Weber’s authority theory, this study found that the massive use of social media among Indonesian Muslims today has triggered the birth of various new religious realities, one of which is the division of religious authority. In Indonesia, this fragmentation is marked by the weakening of the existence and influence of earlier Islamic clergy groups and, simultaneously, the emergence of contemporary clergy members with stronger allure and influence. The latter are popular as millennial ustadz, have a populist style, and are known to be quite active in campaigning for religious activities on online-based social media channels.
Co-Authors Dja’akum, Cita Sary Hannan, Abd. Muhamad Nafik Hadi Ryandono, Muhamad Nafik Siti Mujibatun