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Is the Merger Effective for Indonesian Islamic Banks? Budiantoro, Risanda Alirastra; Rachman, Mohammad Aulia; Tsani, Luthfi Ibnu; Millatina, Afifah Nur; Fatimatuzzahro, Fatimatuzzahro
Share: Jurnal Ekonomi dan Keuangan Islam Vol 13, No 2 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i2.22036

The low competitiveness of the Islamic banking sector has raised significant concerns within the government regarding the future viability of this financial industry in Indonesia. In response, a merger has been proposed as a strategic policy to strengthen and enhance the Islamic banking framework. This study seeks to assess the effectiveness of the merger strategy involving three state-owned Islamic banks—Bank Syariah Mandiri, BNI Syariah, and BRI Syariah—which have consolidated to form Bank Syariah Indonesia (BSI). The study employs a qualitative exploratory approach, utilizing analytical tools such as the Five Forces Model and SWOT analysis. The findings indicate that the merger strategy has been effective, as the management of the newly established entity has successfully implemented a range of initiatives to enhance the competitiveness of Islamic banking within the financial sector. These initiatives include product differentiation, innovation, a strong emphasis on service quality, institutional strengthening, and a focus on digital business development. The study concludes that the merger represents a positive step for the Indonesian Islamic banking sector. The strategies implemented by BSI may serve as a potential roadmap for other institutions aiming to enhance their competitive standing in the industry.========================================================================================================ABSTRAK – Efektifkah Merger pada Perbankan Syariah di Indonesia? Rendahnya daya saing sektor perbankan syariah menimbulkan kekhawatiran akan keberlangsungan industri keuangan ini di masa depan di Indonesia. Sebagai kebijakan strategis untuk memperkuat dan meningkatkan kerangka kerja perbankan syariah, pemerintah mengusulkan dilakukannya merger terhadap tiga bank syariah milik negara. Penelitian ini bertujuan untuk mengevaluasi efektivitas strategi merger Bank Syariah Mandiri, BNI Syariah, dan BRI Syariah menjadi Bank Syariah Indonesia (BSI). Penelitian ini menggunakan pendekatan kualitatif eksploratif dengan memanfaatkan Five Forces Model dan analisis SWOT sebagai alat analisis. Hasil penelitian menunjukkan efektivitas strategi merger dalam meningkatkan daya saing perbankan syariah. Manajemen BSI dinilai berhasil menerapkan serangkaian strategi pencapaian tujuan organisasi seperti melakukan diferensiasi produk, inovasi, orientasi pada kualitas layanan, penguatan kelembagaan, dan menseriusi pengembangan bisnis digital. Penelitian ini menyimpulkan bahwa strategi merger merupakan langkah positif bagi sektor perbankan syariah di Indonesia dalam meningkatkan daya saingnya di industri perbankan. Hasil ini dapat menjadi panduan potensial bagi lembaga keuangan syariah lain yang ingin menerapkan strategi serupa.

Taxation policy and regulation efficiency on increasing zakat collection: countries comparison analysis Athief, Fauzul Hanif Noor; Rachman, Mohammad Aulia; Rizki, Darlin; Hakim, Lukmanul; Mohd Noh, Mohd Shahid Bin
Journal of Islamic Accounting and Finance Research Vol. 4 No. 2 (2022)
Publisher : Universitas Islam Negeri Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiafr.2022.4.2.14168

Purpose - This study investigated the policies over countries, specifically concerning the taxation in its regard with the zakat collection. The aim is to see whether making zakat compulsory helps solving zakat collection problem or not.Method - The study used a descriptive analysis model with a qualitative approach. The range of data collected in 2006-2017 came from nine countries, namely Saudi Arabia, Kuwait, Sudan, Jordan, Brunei Darussalam, Malaysia, Indonesia, Singapore, Pakistan.Result - The results of this study indicate that Sudan, Brunei Darussalam, Singapore and Pakistan follow a mandatory approach while Malaysia, Kuwait, Indonesia, Jordan and Saudi Arabia follow a voluntary approach. It was also found that a mandatory approach attracted more zakat collection as indicated by the zakat collection ratio.Implication - Pointing out that mandating zakat by imposing it through regulations helps collect more zakat payments.Originality - This research specifically contributes to studying the tax system in various countries to stimulate the collection of zakat by using a comparative study.

Is the Merger Effective for Indonesian Islamic Banks? Budiantoro, Risanda Alirastra; Rachman, Mohammad Aulia; Tsani, Luthfi Ibnu; Millatina, Afifah Nur; Fatimatuzzahro, Fatimatuzzahro
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 13 No. 2 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i2.22036

The low competitiveness of the Islamic banking sector has raised significant concerns within the government regarding the future viability of this financial industry in Indonesia. In response, a merger has been proposed as a strategic policy to strengthen and enhance the Islamic banking framework. This study seeks to assess the effectiveness of the merger strategy involving three state-owned Islamic banks—Bank Syariah Mandiri, BNI Syariah, and BRI Syariah—which have consolidated to form Bank Syariah Indonesia (BSI). The study employs a qualitative exploratory approach, utilizing analytical tools such as the Five Forces Model and SWOT analysis. The findings indicate that the merger strategy has been effective, as the management of the newly established entity has successfully implemented a range of initiatives to enhance the competitiveness of Islamic banking within the financial sector. These initiatives include product differentiation, innovation, a strong emphasis on service quality, institutional strengthening, and a focus on digital business development. The study concludes that the merger represents a positive step for the Indonesian Islamic banking sector. The strategies implemented by BSI may serve as a potential roadmap for other institutions aiming to enhance their competitive standing in the industry.========================================================================================================ABSTRAK – Efektifkah Merger pada Perbankan Syariah di Indonesia? Rendahnya daya saing sektor perbankan syariah menimbulkan kekhawatiran akan keberlangsungan industri keuangan ini di masa depan di Indonesia. Sebagai kebijakan strategis untuk memperkuat dan meningkatkan kerangka kerja perbankan syariah, pemerintah mengusulkan dilakukannya merger terhadap tiga bank syariah milik negara. Penelitian ini bertujuan untuk mengevaluasi efektivitas strategi merger Bank Syariah Mandiri, BNI Syariah, dan BRI Syariah menjadi Bank Syariah Indonesia (BSI). Penelitian ini menggunakan pendekatan kualitatif eksploratif dengan memanfaatkan Five Forces Model dan analisis SWOT sebagai alat analisis. Hasil penelitian menunjukkan efektivitas strategi merger dalam meningkatkan daya saing perbankan syariah. Manajemen BSI dinilai berhasil menerapkan serangkaian strategi pencapaian tujuan organisasi seperti melakukan diferensiasi produk, inovasi, orientasi pada kualitas layanan, penguatan kelembagaan, dan menseriusi pengembangan bisnis digital. Penelitian ini menyimpulkan bahwa strategi merger merupakan langkah positif bagi sektor perbankan syariah di Indonesia dalam meningkatkan daya saingnya di industri perbankan. Hasil ini dapat menjadi panduan potensial bagi lembaga keuangan syariah lain yang ingin menerapkan strategi serupa.

PENGEMBANGAN PARIWISATA MELALUI LITERASI DIGITAL SEBAGAI UPAYA PENINGKATAN PENDAPATAN MASYARAKAT Tutik, Tutik; Nihayah, Annis Nurfitriana; Talakua, Jeane Fransina Diana; Pangestika, Maulida Dewi; Rachman, Mohammad Aulia; Hermanto, Agus
JMM (Jurnal Masyarakat Mandiri) Vol 8, No 5 (2024): Oktober
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v8i5.26217

Abstrak: Desa serang merupakan wilayah di kecamatan kejajar kabupaten wonosobo dengan potensi alam yang melimpah. Namun pengembangan sektor wisata didaerah ini masih perlu ditingkatkan mengingat desa serang menjadi desa yang memiliki objek wisata terkenal di kabupaten wonosobo. Peluang ini bermanfaat bagi masyarakat desa tersebut dalam mengembangkan keterampilan, potensi, dan ekonomi lokal. Tujuan dari pengabdian ini yaitu memberikan pemahaman pada mitra mengenai pengembangan wisata berbasis literasi digital. Adapun metode yang dilakukan dalam kegiatan pengabdian ini antara lain sosialisasi, inisiasi, dan evaluasi berupa Focus Group Discussion (FGD). Mitra yang terlibat sebanyak 10 yang terdiri dari kepala desa serang, kelompok sadar wisata (pokdarwis), pengelola destinasi wisata, pelaku usaha dan karangtaruna. Adapun hasil pengabdian yang sudah dilakukan selama tiga bulan dapat dianalisis bahwa mitra sudah dapat melakukan pemasaran pada media sosial seperti Instagram, facebook, TikTok dan youtobe dengan pembuatan konten pariwisata. Dengan adanya kemampuan masyarakat menggunakan media social, telah berdampak pula pada peningkatan pendapatan khususnya pada pelaku UMKM dan pariwisata.Abstract: Serang Village is an area in Kejajar District, Wonosobo Regency with abundant natural potential. However, the development of the tourism sector in this area still needs to be improved considering that Serang Village is a village that has famous tourist attractions in Wonosobo Regency. This opportunity is beneficial for the village community in developing skills, potential, and the local economy. The purpose of this service is to provide understanding to partners regarding the development of digital literacy-based tourism. The methods carried out in this service activity include socialization, initiation, and evaluation in the form of Focus Group Discussion (FGD). There are 10 partners involved consisting of the head of Serang village, tourism awareness groups (pokdarwis), owners of tourist destinations, business actors and karangtaruna. The results of the service that have been carried out for three months can be analyzed that partners have been able to market on social media such as Instagram, Facebook, TikTok and Youtobe by creating tourism content. With the ability of the community to use social media, it has also had an impact on increasing income, especially for MSME and tourism actors.

The Dynamic Nexus Among Energy Consumption, Economic Growth, and Green Finance on Environmental Quality Rahmayani, Dwi; Anas, Muhammad; Rachman, Mohammad Aulia; Vikia, Yahya Mahda
Jurnal Economia Vol. 21 No. 3 (2025): October 2025
Publisher : Faculty of Economics and Business, Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/economia.v21i3.72253

This study investigates the relationship among energy consumption, economic growth, and green finance on environmental degradation. The Panel Dynamic ARDL-PMG was used to analyze the model in 33 provinces in Indonesia from 2010 to 2022. The result shows that GRDP per capita, Motor Vehicle Volume, and Green Finance significantly positively affect the Environmental Quality Index in the long run. In the short run, GRDP per capita significantly negatively affects the EQI. The findings of this study emphasize that the implementation of Indonesia's energy transition policy must be completed, including a comprehensive transition from upstream to downstream. The transition to a non-fossil fuel energy system must begin by converting fossil fuel power plants to non-fossil fuel power plants. Meanwhile, the government must expand public transportation and encourage electric vehicles through fiscal incentive schemes.

Penerapan teknologi rocket stove sebagai solusi pengelolaan sampah ramah lingkungan di Desa Mergowati, Kecamatan Kedu, Kabupaten Temanggung Butar, Christofel Natanael Butar; Al Ghifary, Fahrezi Abdan; Nabil, Muhammad Wijdan; Raharjo, Regeng Dwi; Mustafiah, Salsabilla Siti; Maharani, Adysha Citra; Sefia, Norra; Pratiwi, Evi Juliani Ayu; Deviana, Riska; Agustina, Handayani; Marlina, Asih; Rachman, Mohammad Aulia; Wahyanto, Wahyanto
Tintamas: Jurnal Pengabdian Indonesia Emas Vol. 2 No. 3 (2025): Tintamas: Jurnal Pengabdian Indonesia Emas
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/tintamas.v2i3.2272

Waste management remains a major issue in Indonesia, particularly in rural areas, where open burning is common. This practice contributes to environmental pollution and increases the risk of community health problems. The UNNES GIAT 12 program implemented rocket stove technology in Mergowati Village, Kedu Subdistrict, Temanggung Regency, as an environmentally friendly and sustainable approach to organic waste management. This research-based community service initiative evaluated the effectiveness of rocket stoves in reducing organic waste volume, lowering potential environmental and health impacts, and promoting their use as a community-based alternative energy source. The program applied a Participatory Action Research (PAR) approach, involving residents and village officials in needs identification, stove construction, operational training, and evaluation. Results showed that the rocket stove reached an average temperature of 615°C within 13 minutes, reduced waste volume by up to 90%, and significantly decreased smoke emissions compared to open burning. The remaining ash can be reused as organic fertilizer, adding value to local agriculture. Most residents perceived the technology as easy to operate, safer, and feasible for sustained use.

PEMBERDAYAAN BUMDES WUKIRRAYA MELALUI PENGUATAN KAPASITAS MANAJERIAL DAN SINERGI POTENSI LOKAL DI DESA WUKIRSARI, BANTUL Nihayah, Annis Nurfitriana; Karsinah, Karsinah; Nihayah, Dyah Maya; Rachman, Mohammad Aulia; Adzim, Fauzul; Margaret, Silvia; Santos, Nisrina Hanifah; Aditria, Intan Putri
Jurnal Abdi Insani Vol 12 No 12 (2025): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v12i12.3340

Wukirsari is a village in Bantul Regency that has been declared a tourist village. As a tourist village, Wukirsari Village has received a lot of attention related to existing activities. One of them is the existence of Village-Owned Enterprises (BUMDES). BUMDes Wukirraya is a Bumdes in Wukirsari Village. Bumdes Wkirraya has great potential in developing batik craft-based businesses and cultural tourism. The problem of managerial capacity, low community participation, and minimal business diversification hamper the strategic role of BUMDes. This community service activity aims to identify the main problems faced by BUMDes Wukirraya and design institutional strengthening strategies through a participatory approach. The methods used include observation, interviews, and focus group discussions (FGD) with BUMDes managers, MSME actors, and community leaders. The results show that business management training, facilitation of collaboration between sectors, and active involvement of residents are the keys to strengthening the function of BUMDes. This activity contributes to increasing human resource capacity, entrepreneurial awareness, and the direction of business development that is more strategic and in accordance with local potential.

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