Dinamika Bank Syariah Pascamarger: Kontribusi terhadap Stabilitas Sistem Keuangan

Abstract

The merger of Islamic banks in Indonesia represents a strategic initiative to strengthen the structure of the Islamic financial industry and enhance national banking competitiveness. This study aims to examine the institutional and operational dynamics of Islamic banks after the merger and their implications for intermediation functions and financial system stability. This research employs a qualitative approach using descriptive-analytical methods through literature review and policy analysis. The findings indicate that the merger strengthens institutional structures, improves operational efficiency, and increases the financing capacity of Islamic banks, particularly toward the real sector. Furthermore, Sharia-based financing characteristics contribute to more balanced risk-sharing and stronger liquidity resilience. Nevertheless, the expanded scale of operations after the merger requires stronger governance, risk management, and adaptive regulatory supervision. Overall, the Islamic banking merger plays a significant role in enhancing national financial system stability, promoting Islamic financial inclusion, and supporting sustainable and equitable economic development.