Legal Implications of the Merger Policy of Bank Mandiri Syariah, Bni Syariah and Bri Syariah into Bank BSI
Abstract
The merger of Bank Syariah Indonesia (BSI), which resulted from the combination of three Islamic banks owned by Himbara, aims to strengthen the structure and improve efficiency in the Islamic banking system in Indonesia. However, this process brings legal challenges relating to contractual alignment, data protection, and compliance with sharia principles. This study aims to (1) assess the extent to which the BSI merger complies with applicable laws, (2) identify legal issues that arise during and after the merger process, and (3) formulate a legal approach to risk management. The methodology used in this research is a juridical-normative approach, through analysis of regulations and documents related to the merger. The results of the analysis show that harmonization of contracts based on DSN-MUI fatwa is very important, as well as the need for the establishment of a compliance unit that has cross-sector functions. Customer data integration requires a system capable of protecting data and regulating technology in accordance with the PDP Law and POJK 6/2022. Therefore, it can be concluded that the management of the BSI merger must be based on the principles of prudence, transparency, and strengthening integrated sharia governance to support stability in the Islamic financial system at the national level.
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DOI: http://dx.doi.org/10.18415/ijmmu.v12i6.6948
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