KONSEKUENSI HUKUM PELAKSANAAN MERGER PADA BANK SYARIAH BADAN USAHA MILIK NEGARA (BUMN)

Abstract

The urgency of implementing a merger in BUMN sharia banks targeted by the government has the potential to slow down the pace of sharia economic development from the financial sector. On the one hand, the steps taken pose a considerable risk because two of the three combined Islamic banks will lose their status as legal entities. The research will describe the urgency of the merger policy towards state-owned Islamic banks, which will then be analyzed in a juridical manner related to the implementation of the merger. This research is a type of normative legal research or normative juridical research because this research focuses on library materials, using the Statute Approach. Based on the results of the research, the authors conclude that the implementation of the merger carried out by the government against the three state-owned Islamic banks is in accordance with the mechanism regulated in the regulations. However, the merger of these state-owned Islamic banks will have legal consequences for PT. Bank Mandiri Syariah Tbk., PT. Bank BNI Syariah Tbk., because after the merger or amalgamation, the status of the merging Islamic banks is declared terminated by law or by law. Another possible legal consequence, according to the author, is that in the near future Bank Syariah Indonesia (BSI) will not be able to achieve market share in the national banking industry, because it is still focused on improving management and the process of shifting customers after the merger.