Impact of Merger of Islamic Banks in Indonesia

Abstract

CoronaVirus (COVID-19) pandemic has negative impact on the number life sector, not only health and humanity, but also the global economy. Indonesian to be one of the affected countries corona virus, including in the sector banking. Strategy which can done by Indonesia in banking to minimize the impact of the corona virus, in this case government through the Financial Services Authority publish policy recovery economy national as a policy subtraction cycle l business by issuing POJK regulation No.. 18/POJK.03/2020 in order to maintain financial system stability in Indonesian, particularly in the Indonesian banking sector. on sector banking Indonesia. OJK give order to bank sharia Which There is in Indonesian to do merger, consolidation, as well as take over or integration. The purpose of this research is to find out how the impact / influence merger  three Sharia state- owned banks to customers. This study uses a descriptive method with read manuscripts, field notes, journals, theses, official websites, and books obtained through the regional library and the library of Muhammadiyah University of North Sumatra which support results study This. The merger carried out by research shows a positive response with the change of name to Bank Syariah Indonesia from customers in Indonesia. As is The resulting merger allows customers to transact across all outlets in Indonesia at once product diversification that is the customer's choice. Opportunities resulting from the SWOT analysis of Bank Syariah Indonesia have a large and promising market share opportunity to continue to improve the quality and quantity of existing services at Bank Syariah Indonesia. Bank Syariah Indonesia also continues to do marketing to customers in Indonesia.