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All Journal Analisis: Jurnal Studi Keislaman International Journal of Nusantara Islam Al-Tahrir: Jurnal Pemikiran Islam AL-Fikr JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia Diroyah : Jurnal Studi Ilmu Hadis Economica: Jurnal Ekonomi Islam Jurnal Studi Ilmu-ilmu Al-Qur'an dan Hadis Bisman (Bisnis dan Manajemen): The Journal of Business and Management Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Jurnal Pengabdian UNDIKMA International Journal of Nusantara Islam International Journal of Islamic Business and Economics (IJIBEC) Contemporary Issues on Interfaith Law and Society
Siti Mujibatun
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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Spin-Off as a Strategy to Accelerate Islamic Banking Growth in Indonesia: Assessing the Readiness of Sharia Business Units Cita Sary Dja’akum; Nur Huda; Muhamad Nafik Hadi Ryandono; Siti Mujibatun; Ach Fatayillah Mursyidi
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.
Co-Authors Abdulhamid Ali Abukil Abdulhamid Ali Abukil Abdulhamid Ali Abukil Ach Fatayillah Mursyidi Ali Imron Ali Murtadho Ali Murtadho Baehaqi Baharuddin, Mochammad Achwan Cita Sary Dja’akum Dja’akum, Cita Sary Fuadi, Nasrul Fahmi Zaki Hanafir Rifqi, Lathif Magfiratun, Siti Moh Erfan Soebahar Moh. Amiril Mukminin Mohamad, Maizatul Saadiah Muhamad Nafik Hadi Ryandono Muhammad Saifullah Muhammad Saifullah Mursyidi, Ach Fatayillah Nihayah, Ana Zahrotun Nur Huda Nur Khoirin Raharjo Raharjo Ratno Agriyanto Ratno Agriyanto Ratno Agriyanto Ratno Agriyanto, Ratno Agriyanto Riduwan Riduwan Riduwan Riduwan, Riduwan Rifqi, Lathif Hanafir Rofiul Wahyudi Wahyudi, Rofiul Zahrotun Nihayah, Ana