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

Yıl 2024, Cilt: 4 Sayı: 2, 83 - 106, 15.07.2024
https://doi.org/10.55237/jie.1479747

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.

Kaynakça

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

Yıl 2024, Cilt: 4 Sayı: 2, 83 - 106, 15.07.2024
https://doi.org/10.55237/jie.1479747

Öz

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.

Destekleyen Kurum

Research Center of Universitas Mercu Buana

Kaynakça

  • Afiyana, I. F., Nugroho, L., Fitrijanti, T., & Sukmadilaga, C. (2019). Tantangan pengelolaan dana zakat di indonesia dan literasi zakat. Akuntabel, 16(2), 222–229. https://doi.org/10.29264/JAKT.V16I2.6013
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  • AlAli, M. S. (2020). Staff Efficiency Effects on Financial Performance: A Case Study on Kuwaiti Banks. International Journal of Business and Applied Social Science, 2011, 59–63. https://doi.org/10.33642/ijbass.v6n8p8
  • Alaranta, M., & Mathiassen, L. (2014). Managing risks: Post-merger integration of information systems. IT Professional, 16(1), 30–40. https://doi.org/10.1109/MITP.2013.64
  • Alexander, H. B. (2022). Pengembang Rumah Subsidi Tolak Merger BTN Syariah dan BSI Halaman all - Kompas.com. Www.Kompas.Com. https://www.kompas.com/properti/read/2022/06/14/053000621/pengembang-rumah-subsidi-tolak-merger-btn-syariah-dan-bsi?page=all
  • Awan, H. M., & Bukhari, K. S. (2011). Customer’s criteria for selecting an Islamic bank: Evidence from Pakistan. Journal of Islamic Marketing, 2(1), 14–27. https://doi.org/10.1108/17590831111115213
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  • Hassan, M., & Giouvris, E. (2021). Bank mergers: the cyclical behaviour of regulation, risk and returns. Journal of Financial Economic Policy, 13(2), 256–284. https://doi.org/10.1108/JFEP-03-2020-0043
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  • Hidayah, N., Nugroho, L., Prihanto, H., & Prihantini, D. (2021). Company Characteristics, Disclosure of Social Responsibility , and Its Impact on Company Performance : An Empirical Study in Indonesia. Journal of Asian Finance, Economics and Business, 8(6), 889–895. https://doi.org/10.13106/jafeb.2021.vol8.no6.0889
  • Iqbal, A., & Subhan, M. (2022). The Role of Bank Syariah Indonesia Microfinance in Financing Small-Scale Businesses. Hanifiya: Jurnal Studi Agama-Agama, 5(2), 170–179. https://doi.org/10.15575/hanifiya.v5i2.21433
  • Isonne, C., Nardi, A., de Soccio, P., Zerbetto, A., Giffi, M., Sindoni, A., Marotta, D., Baccolini, V., Migliara, G., Mete, R., Marzuillo, C., Villari, P., Salis, G., Moirano, F., & De Vito, C. (2021). Job Satisfaction Among Employees After a Merger: A Cross-Sectional Survey in the Local Health Unit of Sardinia Region, Italy. Frontiers in Public Health, 9(December), 1–7. https://doi.org/10.3389/fpubh.2021.798084
  • Joseph, J. (2014). Managing change after the merger: The value of pre-merger ingroup identities. Journal of Organizational Change Management, 27(3), 430–448. https://doi.org/10.1108/JOCM-10-2013-0184
  • Kaiser, M. S. (2020). Are Bottom-Up Approaches in Development More Effective than Top-Down Approaches? Journal of Asian Social Science Research, 2(1), 91–109. https://doi.org/10.15575/jassr.v2i1.20
  • Kavanagh, M. H., & Ashkanasy, N. M. (2006). The impact of leadership and change management strategy on organizational culture and individual acceptance of change during a merger. British Journal of Management, 17(S1), S81–S103. https://doi.org/10.1111/j.1467-8551.2006.00480.x
  • KNEKS. (2019). Profil KNEKS. Komite Nasional Ekonomi Dan Keuangan Syariah. https://knks.go.id/tentang Kumar, S., & Bansal, L. K. (2008). The impact of mergers and acquisitions on corporate performance in India. Management Decision, 46(10), 1531–1543. https://doi.org/10.1108/00251740810920029
  • Laucereno, S. F., & Iswahyudi. (2022). Ketua Muhammadiyah Tolak Rencana BTN Syariah Gabung BSI, Ini Alasannya. Finance.Detik.Com. https://finance.detik.com/moneter/d-6116543/ketua-muhammadiyah-tolak-rencana-btn-syariah-gabung-bsi-ini-alasannya
  • Liu, Z., Li, Y., Zhang, Z., & Zhao, R. (2021). The Impact of Business Strategic Orientation on Innovation-Driven Mergers and Acquisitions: An Empirical Study. Discrete Dynamics in Nature and Society, 1–11. https://doi.org/10.1155/2021/5254365
  • Lorenzo Ochoa, O., Claes, B., Koryak, O., & Diaz, A. (2017). Integration through orchestration: The interplay between enterprise systems and inventory management capabilities. Journal of Enterprise Information Management, 30(4), 555–582. https://doi.org/10.1108/JEIM-02-2016-0060
  • Maksimovic, V., Phillips, G., & Prabhala, N. R. (2011). Post-merger restructuring and the boundaries of the firm. Journal of Financial Economics, 102(2), 317–343. https://doi.org/10.1016/j.jfineco.2011.05.013
  • Mawardi, W., Mahfudz, M., Laksana, R. D., & Shaferi, I. (2020). Competition and financial effects between islamic and conventional banking. WSEAS Transactions on Business and Economics, 17, 101–111. https://doi.org/10.37394/23207.2020.17.12
  • Melzatia, S., Mahroji, Wahyudi, I., & Nugroho, L. (2023). Analysis of the Ideal Sukuk Structure from the Perspective of Maqasid Sharia of Wealth (Indonesia Case). International Journal of Commerce and Finance, 9(1), 21–39.
  • Menicucci, E., & Paolucci, G. (2016). The determinants of bank profitability: empirical evidence from European banking sector. Journal of Financial Reporting and Accounting, 14(1), 86–115. https://doi.org/10.1108/jfra-05-2015-0060
  • Miah, M. D., & Sharmeen, K. (2015). Relationship between capital, risk and efficiency: A comparative study between Islamic and conventional banks of Bangladesh. International Journal of Islamic and Middle Eastern Finance and Management, 8(2), 203–221. https://doi.org/10.1108/IMEFM-03-2014-0027
  • Nugroho, L. (2022). Problematika Bank Syariah. In Bank Syariah tidak Syariah? (pp. 197–207). Fakultas Ekonomi dan Bisnis Islam IAIN Lhokseumawe. https://www.researchgate.net/publication/362872113_PROBLEMATIKA_BANK_SYARIAH
  • Nugroho, L. (2023). Maslahah Of Islamic Banking Merger Discourses (Indonesia Case). Afro Eurasian Studies, 12(2), 14–29. https://doi.org/10.33722/afes.1280330
  • Nugroho, L., Aryani, E., & Mastur, Akhmad Amien. (2019). Analisa Pengaruh Perputaran Kas dan Perputaran Piutang Terhadap Return on Asset (ROA) pada Perusahaan LQ 45 yang Terdaftar di BEI Tahun 2012-2017. Inovbiz: Jurnal Inovasi Bisnis, 7, 20–25.
  • Nugroho, L., & Bararah, H. N. (2018). Pengaruh Good Corporate Governance dan Biaya Operasional dan Pendapatan Operasional (BOPO) terhadap stabilitas keuangan bank umum syariah di Indonesia Tahun 2012-2017. Inovbiz: Jurnal Inovasi Bisnis, 6(2), 160–169.
  • Nugroho, L., Doktorlina, C., & Ali, A. J. (2023). Contemporary Issues of Waqf in Indonesia. BİLTÜRK Journal of Economics and Related Studies, 5(3), 187–198. https://doi.org/10.47103/bilturk.1260151.1.
  • Nugroho, L., Husnadi, T. C., Utami, W., & Hidayah, N. (2017). Maslahah and Strategy to Establish A Single State-Owned Islamic Bank in Indonesia. Tazkia Islamic Finance and Business Review, 10(1), 17–33.
  • Nugroho, L., Utami, W., Doktorlina, C. M., & Husnadi, T. C. (2017). Islamic Banking Capital Challenges To Increase Business Expansion (Indonesia Cases). International Journal of Commerce and Finance, 3(2), 1–10.
  • Nugroho, L., Utami, W., Sukmadilaga, C., & Fitrijanti, T. (2017). International Journal of Economics and Financial Issues The Urgency of Allignment Islamic Bank to Increasing the Outreach (Indonesia Evidence). International Journal of Economics and Financial Issues, 7(4), 283–291. http:www.econjournals.com
  • Obuba, M. O. (2023). Evaluating the Moral Components of Authentic Leadership on Employees’ Productivity. A Literature Review. Open Journal of Leadership, 12(01), 89–115. https://doi.org/10.4236/ojl.2023.121007
  • Piening, E. P. (2013). Dynamic Capabilities in Public Organizations: A literature review and research agenda. Public Management Review, 15(2), 209–245. https://doi.org/10.1080/14719037.2012.708358
  • Pratama, W. P. (2022). Waketum MUI Tidak Setuju BSI (BRIS) Akuisisi BTN Syariah, Kenapa? - Finansial Bisnis.com. Finansial.Bisnis.Com. https://finansial.bisnis.com/read/20220227/90/1505169/waketum-mui-tidak-setuju-bsi-bris-akuisisi-btn-syariah-kenapa
  • Purnamasari, F., Nanda, H. I., Zulkarnaen, M., Susanti, M., & Palil, M. R. (2022). Merger in Islamic Banking Sector: A Snap of Views from Their Customers and Prospective Customer. International Journal of Social Science (IJSS), 2(4), 1839–1846.
  • Purwanti, Nugroho, L., & Zulfahmi. (2024). Fenomenologis Peran Industri Rokok dalam Memberdayakan Kaum Perempuan (Studi Kasus Pabrik Rokok Tunas Mandiri , Pacitan , Jawa Timur). MENAWAN: Jurnal Riset Dan Publikasi Ilmu Ekonomi, 2(1).
  • Rafiqoh, P. A. H. (2020). Marketing Communication of South Kalimantan Shari’ah Bank branch of Kayutangi In Attracting Customers’ Interests. At-Taradhi, 11(10), 35–45. http://repo.iain-tulungagung.ac.id/5510/5/BAB 2.pdf
  • Rakshit, B. (2023). Assessing the effects of cost, revenue and profit efficiency on bank performance: empirical evidence from Indian banking. International Journal of Organizational Analysis, 31(5), 1867–1898. https://doi.org/10.1108/IJOA-06-2021-2802
  • Respati, A. R., & Djumena, E. (2024). Daftar 10 Besar Bank dengan Aset Jumbo di Indonesia. Money.Kompas.Com. https://money.kompas.com/read/2024/02/28/154100926/daftar-10-besar-bank-dengan-aset-jumbo-di-indonesia?page=2
  • Rhoades, S. A. (2000). Bank mergers and banking structure in the united states, 1980-98. https://www.proquest.com/working-papers/bank-mergers-banking-structure-united-states-1980/docview/1698095146/se-2
  • Roberts, N., & Grover, V. (2012). Leveraging Information Technology Infrastructure to Facilitate a Firm’s Customer Agility and Competitive Activity: An Empirical Investigation. Journal of Management Information Systems, 28(4), 231–269. https://doi.org/10.2753/MIS0742-
  • Sarala, R. M., & Vaara, E. (2010). Cultural differences, convergence, and crossvergence as explanations of knowledge transfer in international acquisitions. Journal of International Business Studies, 41(8), 1365–1390. https://doi.org/10.1057/jibs.2009.89
  • Sari, F., & Laoli, N. (2022). Hipmi Syariah Menentang Rencana Merger BTN Syariah Ke BSI. Keuangan.Kontan.Co.Id. https://keuangan.kontan.co.id/news/hipmi-syariah-menentang-rencana-merger-btn-syariah-ke-bsi
  • Sari, H. P., & Ika, A. (2023). BSI “Error” Kena “Ransomware”, Wamen BUMN: Data Diretas dari Komputer Kantor Cabang. Money.Kompas.Com. https://money.kompas.com/read/2023/06/05/194032226/bsi-error-kena-ransomware-wamen-bumn-data-diretas-dari-komputer-kantor-cabang
  • Schilke, O. (2014). On the contingent value of dynamic capabilities for competitive advantage: The nonlinear moderating effect of environmental dynamism. Strategic Management Journal, 35(2), 179–203. https://doi.org/10.1002/smj.2099
  • Shanmugam, B., & Nair, M. (2003). Mergers and Acquisitions of Banks in Malaysia. Managerial Finance, 30(4), 1–18. http://dx.doi.org/10.1016/j.jaci.2012.05.050
  • Soekapdjo, S., Nugroho, L., Badawi, A., & Utami, W. (2018). BAD DEBT ISSUES IN ISLAMIC BANK: MACRO AND MICRO INFLUENCING (INDONESIA CASES). In International Journal of Commerce and Finance (Vol. 4).
  • Sukmadilaga, C., Fitrijanti, T., Nugroho, L., & Utami, W. (2017). International Journal of Economics and Financial Issues The Urgency of Allignment Islamic Bank to Increasing the Outreach (Indonesia Evidence). International Journal of Economics and Financial Issues, 7(4), 283–291. http:www.econjournals.com
  • Tahir, R. (2014). The impact of national and organizational cultural differences on international joint venture performance. Business Review, 9(1), 47–63. https://doi.org/10.54784/1990-6587.1227
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  • Teece, D. J., Pisano, G., & Shuen, A. (1997). Dynamic capabilities and strategic management. Strategic Management Journal, 18(7), 509–533. https://doi.org/10.1093/oso/9780198781806.003.0019
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  • Vidyaningrum, C. N., Nugroho, L., & Sugiarti, D. (2023). Analisa Tingkat Literasi Keuangan Syariah Masyarakat Desa (Studi Kasus Desa Karangrejek, Wonosari, Gunungkidul). Trending: Jurnal Manajemen Dan Ekonomi, 1(1), 156–164.
  • Vieru, D., Rivard, S., & Dutot, V. (2014). Insights from a Review of the Literature on Post-Merger Information Systems/Information Technology Integration. International Business Research, 7(7), 23–36. https://doi.org/10.5539/ibr.v7n7p23
  • Wahid, M. A. (2017). Comparing the competition of Malaysia Islamic and conventional banks: Evidence surrounding the global financial crisis. Journal of Islamic Accounting and Business Research, 8(1), 23–40. https://doi.org/10.1108/JIABR-06-2015-0022
  • Wang, D., Liu, Y., Hsieh, Y. C., & Zhang, Z. (2022). Organisational Change: ″Top‐down″ or “Bottom‐up” Management? Journal of Organizational Behavior, 43(7), 1240–1250. https://doi.org/10.1002/job.2634
  • Widarjono, A. (2020). Stability of Islamic banks in Indonesia: Autoregressive Distributed Lag Approach. Jurnal Keuangan Dan Perbankan, 24(1), 40–52. https://doi.org/10.26905/jkdp.v24i1.3932
  • Wijnhoven, F., Spil, T., Stegwee, R., & Fa, R. T. A. (2006). Post-merger IT integration strategies: An IT alignment perspective. Journal of Strategic Information Systems, 15(1), 5–28. https://doi.org/10.1016/j.jsis.2005.07.002
  • Wu, D. D., Luo, C., Wang, H., & Birge, J. R. (2016). Bi-level Programing Merger Evaluation and Application to Banking Operations. Production and Operations Management, 25(3), 498–515. https://doi.org/10.1111/poms.12205
Toplam 80 adet kaynakça vardır.

Ayrıntılar

Birincil Dil İngilizce
Konular Bankacılık ve Sigortacılık (Diğer), İslam Finansı
Bölüm Research Articles
Yazarlar

Lucky Nugroho 0000-0002-9613-1667

Mahroji Mahroji 0000-0002-6487-4415

Erken Görünüm Tarihi 9 Temmuz 2024
Yayımlanma Tarihi 15 Temmuz 2024
Gönderilme Tarihi 8 Mayıs 2024
Kabul Tarihi 11 Haziran 2024
Yayımlandığı Sayı Yıl 2024 Cilt: 4 Sayı: 2

Kaynak Göster

APA Nugroho, L., & Mahroji, M. (2024). Dynamic Capability Theory in Islamic Bank Merger Discourse in Indonesia (Profitability, Productivity, and Efficiency Perspective). Journal of Islamic Economics, 4(2), 83-106. https://doi.org/10.55237/jie.1479747

İslam Ekonomisi Dergisi Creative Commons Atıf-GayriTicari 4.0 Uluslararası Lisansı (CC BY NC) ile lisanslanmıştır.