Dynamic Capability Theory in Islamic Bank Merger Discourse in Indonesia (Profitability, Productivity, and Efficiency Perspective)

Abstract

The research aims to analyze the mergers that the Indonesian government of Islamic banks has carried out and to explore the potential for future Islamic bank mergers. The method used in this research is quantitative, supported by secondary data obtained from bank financial statements and also based on previous studies. The findings of this study are that the merger of Bank Syariah Indonesia (BSI) has not optimally improved the profitability, productivity, and efficiency aspects of the bank. Therefore, it is necessary to monitor and re-evaluate the internal conditions of the merged bank, which aims to optimize its resources to provide maximum added value. In addition, the merger plan between the Sharia business unit (UUS)-BTN and Bank Muamalat Indonesia needs to be studied in depth and comprehensively and not in a hurry so that the merger action can have a positive impact on both internal Islamic banks and the community and other stakeholders as external parties. The implication of this research is to provide references and information about merger events that occur and the potential for mergers in Islamic banks in Indonesia to stakeholders, both practitioners and academics. Novelty research related to the impact of mergers and potential mergers of Islamic banks in Indonesia is still limited, especially based on the perspectives of profitability, productivity, and efficiency.

Keywords

• Islamic Bank
• Merger
• Productivity
• Profitability
• Efficiency

Endonezya'daki İslami Banka Birleşme Söyleminde Dinamik Yetenek Teorisi (Karlılık, Üretkenlik ve Verimlilik Perspektifi)

Öz

Araştırma, Endonezya hükümetinin gerçekleştirdiği İslami banka birleşmelerini analiz etmeyi ve gelecekteki İslami banka birleşmeleri için potansiyeli keşfetmeyi amaçlamaktadır. Bu araştırmada kullanılan yöntem nicel olup banka mali tablolarından elde edilen ikincil verilerle desteklenmekte ve ayrıca önceki çalışmalara dayanmaktadır. Bu çalışmanın bulguları, Bank Syariah Indonesia (BSI) birleşmesinin bankanın karlılık, üretkenlik ve etkinlik yönlerini en iyi şekilde iyileştirmediği yönündedir. Bu nedenle, maksimum katma değer sağlamak için kaynaklarını optimize etmeyi amaçlayan birleşmiş bankanın iç koşullarının izlenmesi ve yeniden değerlendirilmesi gerekmektedir. Buna ek olarak, Şeriat iş birimi (UUS)-BTN ve Bank Muamalat Indonesia arasındaki birleşme planının derinlemesine ve kapsamlı bir şekilde incelenmesi ve birleşme eyleminin hem İslami bankalar bünyesinde hem de dışarıda toplum ve diğer paydaşlar nezdinde olumlu bir etki yaratabilmesi için acele edilmemesi gerekmektedir. Bu araştırmanın sonucu, Endonezya'daki İslami bankalarda meydana gelen birleşme olayları ve potansiyel birleşmeler hakkında hem uygulayıcılar hem de akademisyenler olmak üzere paydaşlara referans ve bilgi sağlamaktır. Endonezya'daki İslami bankaların birleşmelerinin ve potansiyel birleşmelerinin etkisine ilişkin yeni araştırmalar, özellikle kârlılık, verimlilik ve etkinlik perspektiflerine dayalı olarak hâlâ sınırlıdır.

Anahtar Kelimeler

• İslami Banka
• Birleşme
• Üretkenlik
• Kârlılık
• Verimlilik

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