Dampak merger bank syariah BUMN menjadi bank syariah Indonesia terhadap para investor

Tohres, Steven Stanley (2021) Dampak merger bank syariah BUMN menjadi bank syariah Indonesia terhadap para investor. Bachelor thesis, Universitas Pelita Harapan.

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Abstract

The purpose of this study is to determine the merger process of BUMN Sharia Banks into Indonesian Sharia Banks (BSI) and the legal consequences of mergers carried out by BUMN sharia banks (Bank BRI Syariah Tbk, Bank Mandiri Syariah, Bank BNI Syariah) to minority shareholders and investors. This research method uses a normative-empirical legal research method by analyzing and discussing the merger policy of state-owned banks in the midst of the COVID-19 pandemic. In this study, the data used were obtained through indirect interviews with BSI officials/staff. In addition, the data was also obtained through secondary data, namely primary legal data, secondary legal materials and treasury legal materials. The research method is also carried out by examining laws, journals, and news related to the title of the researcher. After the required data is collected, it will be continued at the problem identification stage until there is a problem solving. This research is descriptive in nature where the researcher will explain how the legal perspective is positive and the impact arising from the merger of Islamic State-Owned Banks. Based on the explanation above, the right type of research is normative-empirical legal research to get answers from the existing problem formulations. The results showed several reasons for the merger between Islamic banks, namely first to make BUMN more efficient in financing, operations, financing and spending. Second, it shows that Islamic banks have good prospects for and can survive the impact of the COVID-19 pandemic. Third, the size and strength of assets owned by BUMN Islamic Banks increases. Fourth, this bank has the potential to become the world's top 10 Islamic banks based on market capitalism. Fifth, make banking products more complete. Sixth, the implementation of the merger is not only an effort and commitment to Sharia economic development, but also a new pillar of national economic strength (Global Sharia Merger Finance). Seventh, the Merger facilitates and facilitates access to financial services for all group companies in accordance with Sharia principles. The legal consequences of the merger of the three state-owned Islamic banks have no effect on minority investors. Mergers generally do not affect the engagement that has already taken place between the bank and the customer, the surviving bank just continues the existing contracts until the end of the contract. This is stated in Government Regulation Number 28 of 1999 concerning Bank Mergers, Consolidations and Acquisitions./ Tujuan penelitian ini adalah untuk mengetahui proses merger Bank Syariah BUMN menjadi Bank Syariah Indonesia (BSI) dan akibat hukum merger yang dilakukan bank syariah BUMN (Bank BRI Syariah Tbk, Bank Mandiri Syariah, Bank BNI Syariah) terhadap pemegang saham minoritas dan para investor. Metode penlitian ini menggunakan metode penelitian hukum normatif-empiris dengan menganalisa dan membahas mengenai kebijakan merger Bank BUMN ditengah pandemic COVID-19. Dalam penelitian ini, data yang digunakan diperoleh melalui wawancara secara tidak langsung kepada pejabat/staff BSI selain itu data juga diperoleh melalui data sekunder yaitu data hukum primer, bahan hukum sekunder dan bahan hukum tresier. Metode penelitian juga dilakukan dengan meneliti Undang-Undang, jurnal, maupun berita yang berkaitan dengan judul peneliti. Setelah data yang dibutuhkan terkumpul maka akan dilanjutkan pada tahap identifikasi masalah hingga terdapat penyelesaian masalah. Penelitian ini bersifat deskriptif dimana peneliti akan menjelaskan bagaimana prespektif hukum positif dan dampak yang timbul akibat mergenya Bank BUMN Syariah. Berdasarkan pemaparan diatas, maka jenis penelitian yang tepat adalah penelitian hukum normatif-empiris untuk mendapatkan jawaban dari rumusan masalah yang ada. Hasil penelitian menunjukkan beberapa alasan merger antara bank syariah yaitu pertama membuat BUMN lebih efisien dalam pembiayaan, operasional, pembiayaan dan belanja. Kedua, menunjukkan bank syariah memiliki prospek yang baik untuk dan dapat bertahan dari dampak pandemi COVID-19 . Ketiga, Ukuran dan kekuatan aset milik Bank Syariah BUMN meningkat. Keempat, Bank ini berpotensi menjadi 10 besar bank syariah dunia berdasarkan kapitalisme pasar. Kelima, membuat produk perbankan lebih lengkap. Keenam, Pelaksanaan merger tidak hanya upaya dan komitmen pembangunan ekonomi Syariah, tetapi juga pilar baru kekuatan ekonomi nasional (Global Syariah Merger Finance). Ketujuh, Merger memudahkan dan memfasilitasi akses layanan keuangan kepada semua kelompok perusahaan sesuai dengan prinsip Syariah. Akibat hukum dari merger ketiga bank syariah BUMN tidak berpengaruh kepada investor minoritas. Merger secara umum tidak mempengaruhi perikatan yang sudah terjadi antara bank dan nasabah, bank penerima penggabungan (survivor) tinggal melanjutkan akad-akad yang sudah berlangsung sampai dengan berakhirnya akad tersebut. Hal ini tercantum dalam Peraturan Pemerintah Nomor 28 Tahun 1999 Tentang Merger, Konsolidasi, dan Akuisisi Bank.

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