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All Journal Sebelas Maret Business Review
Desti Indah Pratiwi
Universitas Sebelas Maret
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The merger of Islamic banks and their impact on the stability of the country's economy Putra Pamungkas; Desti Indah Pratiwi; Yassine Bakkar
Sebelas Maret Business Review Vol 7, No 2 (2022): December 2022
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/smbr.v7i2.55845

Abstract

Mergers are familiar in economic terms, one of which is in the banking sector. Indonesia's banking sector adopting a dual banking system, namely the operation of conventional and Islamic banks, has caused the Indonesian people to have the choice to entrust their finances to one of the two types of banks. Not long ago, the Indonesian government announced that the three Islamic banks, which are part of the three conventional banks, would merge and change their name to Bank Syariah Indonesia (BSI). Of course, this decision is not easy, but it is a decision taken after careful consideration from the banking and economic perspective. Based on data from OJK, the total assets in the second quarter of Islamic banking in 2021 after the merger was recorded to have increased by 16.4 percent compared to the previous year’s period. This increase is in line with Bank Syariah Indonesia (BSI) financial report data in the first and second quarters, namely with second quarter total assets of 481 trillion rupiah and second quarter total liabilities of 435 trillion rupiahs. Based on these facts and data, this article aims to determine the impact of the merger of the three Islamic banks on the strengthening and stability of the Indonesian economy by comparing data from before and after the merger of Islamic banks in Indonesia.
Measuring stability in Islamic rural banks: the influence of bank concentration and capital Desti Indah Pratiwi; Adennia Oktaviana Fadli; Arum Setyowati
Sebelas Maret Business Review Vol 8, No 2 (2023): December 2023
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/smbr.v8i2.79715

Abstract

The Islamic Rural Bank, commonly referred to as BPRS in Indonesia, is a vital player in the country's economic landscape, providing limited banking services rooted in Islamic principles. BPRS serves as an economic catalyst across various regions, including both urban and rural areas, thereby shaping the level of concentration, capital ownership, and stability in the financial sector. This study centers its focus on BPRS, a unique financial institution that contributes significantly to the nation's economy. The research, conducted throughout Indonesia in 2020 from the first to the fourth quarter, offers fresh insights into BPRS as a subject of study. By employing quantitative methods, the study endeavors to explore the impact of concentration and capital ownership on the stability of BPRS in Indonesia. Interestingly, the findings in this research suggest that concentration levels don't provide a clear explanation of the relationship between BPRS concentration and stability. On the other hand, BPRS capital ownership is positively and significantly related to stability, indicating that a strong capital base enhances the overall stability of these Islamic rural banks. These results offer valuable insights into the financial dynamics of BPRS in Indonesia, providing essential information for policymakers and stakeholders as BPRS continues to drive the nation's economic development.
Co-Authors Adennia Oktaviana Fadli Arum Setyowati Putra Pamungkas Yassine Bakkar