Solusi Alternatif Spin-Off Premature Bagi Unit Usaha Syariah Di Indonesia
Abstract
Expectations of increased development of Islamic banking is one of the targets by the government in the year 2023. To achieve this target in recent years, the government conducted a roadmap by requiring all Islamic business units that are in conventional commercial banks to separate themselves. So that every sharia business unit will turn into a sharia commercial bank. It becomes a challenge for every UUS in facing spin-offs, especially in preparing a large amount of capital. Therefore, many UUS are not ready financially for spinoffs. So the solution offered by the author can be in the form of a review of Law Number 21 Year 2008 concerning Sharia Banking which is the legal basis for the spin-off policy. In addition, BUK needs to prepare the maturity of UUS to face separation. Without exception the preparation of the UUS itself in improving services and the addition of banking products offered. Besides that, education is also very important to educate the public.
References
Azizah, Regina Prifilla, 2015, Skripsi: Dampak Spin-off Terhadap Kinerja Keuangan Bank Syariah, Universitas Pendidikan Indonesia.
Chang, William, 2014, Metode Penulisan Esai, Skripsi, Tesis, dan Disertasi untuk Mahasiswa, Jakarta: Erlangga.
Chotib, Achmad, 2016 Jurnal: Analisis Kinerja PT Bank BNI Syariah Sesudah Pemisahaan (Spin-off) Dari PT Bank BNI (Persero) Tbk, Jurnal Tekun Volume VII, Nomor 02.
Fatwa DSN-MUI Nomor 1 Tahun 2004 tentang Bunga (Interest/Fa’idah).
Hakim, Hilman, Ari Andika Putra dan Ahmad Mulyadi, Jurnal: Analisis Peluang dan Tantangan Pelaksanaan Kewajiban Spin-Off Unit Usaha Syariah Menjadi Bank Umum Syariah (Studi Kasus PT. BNI Syariah), Tanpa Keterangan Volume dan Tahun Terbit.
Itang, 2016, Jurnal: Peluang dan Tantangan Spin-off Unit Usaha Syariah Menjadi Bank Umum Syariah, Alqalam, Volume 33 Nomor 1.
Muhyidin, Sumyati, Rof’ah Setyowati, 2016, Jurnal: Diponegoro Law Jurnal, Volume 5 Nomor 3.
Nafis, M Cholil, 2011, Teori Hukum Ekonomi Syariah, (Jakarta: Universitas Indonesia Press.
Nasuha, Amalia, 2012, Jurnal: Dampak Kebijakan Spin-off Terhadap Kinerja Bank Syariah, Al-Iqtishad, Volume IV Nomor 2.
Pambuko, Zulfikar Bagus, 2019, Jurnal: Kebijakan Spin-off dan Efisiensi Perbankan Syariah di Indonesia, Ihtifaz: Journal of Islamic Economic, Finance, and Banking,Volume 2 Nomor 1.
Peraturan Bank Indonesia Nomor 11/2009 tentang Unit Usaha Syariah.
Peraturan Otoritas Jasa Keuangan Nomor 6/POJK.03/2016 tentang Kegiatan Usaha dan jaringan Berdasarkan modal Inti Bank.
Rachman, Yudi, 2019, Jurnal: Dilema Antara Spin-off atau Konversi, Lembaga Pengembangan Perbankan Indonesia, Volume 1 Nomor 154.
Rongiyati, Sulasi, 2015, Jurnal: Pengembangan Perbankan Syariah Melalui Pelaksanaan Kewajiban Pemisahan Unit Usaha Syariah, Negara Hukum, Volume 6 Nomor 1.
Setyadi, Muchammad, 2019, Skripsi: Analisis Dampak Spin-off Terhadap Tingkat Efesiensi Bank BRI Syariahâ€, Universitas Muhammadiyah Jakarta.
Sugiyono, 2015, Metode Penelitian Kuantitatif, Kualitatif dan R&D, Bandung: CV Alfabeta.
Surat Edaran Bank Indonesia Nomor11/28/DpbS tentang Unit Usaha Syariah.
Taga, Arian, Kholil Nawawi dan Ahmad Mulyadi Kosim, 2019, Jurnal: Perkembangan Perbankan Syariah Sebelum dan Sesudah Spin-off, Tafaqquh Jurnal Hukum Ekonomi dan Akhwal Syahsiah: Volume 4 Nomor 1.
Umam, Khotibul, 2010, Jurnal: Peningkatan Ketaatan Syariah Melalui Pemisahan (Spin-Off) Unit usaha Syariah Bank Umum Konvensional, Mimbar Hukum, Volume 22 Nomor 3.
Undang-Undang Nomor 21 Tahun 2008 Tentang Perbankan Syariah.
Undang-Undang Nomor 21 Tahun 2008 tentang Perbankan Syariah.
Wahyuni, Verti Tri, 2017, Jurnal: Kepemilikan Tunggal Badan Hukum Perseroan Terbatas (PT), Jurnal Hukum Novelty: Volume 8 Nomor 2.