Potensi Spin Off dan Konversi pada Pengembangan Bank 9 Jambi Syariah
DOI:
https://doi.org/10.55606/jaemb.v5i3.6978Keywords:
potential, spin off, developmentAbstract
This qualitative study aims to explore the key challenges and opportunities in the spin-off process of the Sharia Business Unit (UUS) at Bank 9 Jambi Syariah. The research was conducted at Bank 9 Jambi Syariah located on Jalan Lintas Sumatera, Telanaipura District, Jambi City, by gathering information from leaders and employees, including the Director, Sharia Supervisory Board, Head of Corporate Secretary, Head of Sharia Division Operations, Head of Operations, and Monitoring and Budgeting staff. The findings indicate that asset and capital readiness remain the main obstacles hindering the implementation of the spin-off. Despite this, the human resources within the Sharia Business Unit are considered adequate, supported by employees with educational backgrounds in sharia studies and training related to sharia banking fundamentals. The study emphasizes that the spin-off process cannot be executed easily; it requires comprehensive strategies and strong preparation to achieve successful separation. The primary challenges faced by Bank 9 Jambi include substantial capital requirements and internal organizational readiness, which align with common issues experienced by conventional banks attempting similar transformations. Based on the interviews and an assessment of regulatory obligations stated in the Sharia Banking Law, the decision to carry out a spin-off must be carefully evaluated by the parent conventional bank. Bank 9 Jambi also takes into account profit potential, as the spin-off is projected to provide operational independence and enhance customer comfort. These considerations form the basis of strategic planning for the future of the UUS at Bank 9 Jambi.
References
[1] Al Arif, M. N. R. (2014). “Spin Off and Its Impact on The Third Party Funds of Indonesian Islamic Banking Industry.” Economic Journal of Emerging Markets, Vol. 6 (1)
[2] Al Arif, M. N. R. (2019). “The Islamic Banking Spin Off: Lessons from Indonesian Islamic Banking Experiences.” ResearchGate.
[3] Albanjari, Fatkhur Rohman, Rina Prihatin, Suprianto. “Analisa Dampak Kebijakan Pemerintah Terhadap Kinerja Keuangan Bank Umum Syariah di Indonesia Pada Era Pandemi Corona Virus Disease-19.” Jawa Timur: Vol. 1, No. 1, April 2021
[4] Amalia, Nasuha. “Dampak Kebijakan Spin Off Terhadap Kinerja Bank Syariah.” Jurnal Iqtishad, Vol. IV, No. 2, Juli 2012
[5] Anshori, Abdul Ghofur. Pembentukan Bank Syariah Melalui Akuisisi dan Konversi: Pendekatan Hukum Positif dan Hukum Islam. Yogyakarta: UII Press, 2010
[6] Anshori, Abdul Ghofur. Perbankan Syariah di Indonesia. Yogyakarta: Gadjah Mada University Press, 2018
[7] Ascarya, & Yumanita, D. (2013). “Implementasi Spin Off Unit Usaha Syariah: Tantangan dan Strategi.” Jurnal Ekonomi dan Keuangan Syariah, 1(2)
[8] Bella Gita Novalia, Muzdalifa, Irma, Inayah Aulia Rahma. “Peran Fintech Dalam Meningkatkan Keuangan Inklusif Pada UMKM Di Indonesia (Pendekatan Keuangan Syariah).” Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, Vol. 3, No. 1, 2018
[9] “Bank Jambi.” Diakses pada 21 Januari 2022, https://bankjambi.co.id/Background. Fatwa DSN-MUI No. 124/DSN-MUI/IX/2018 tentang Konversi Bank Konvensional menjadi Bank Syariah.
[10] Fitriani, Irma. Skripsi: “Analisis Pelaksanaan Good Corporate Governance Pada Aspek Peran Dewan Pengawas Syariah di UUS Bank Jateng.” Semarang: UIN Walisongo, 2016
[11] Ghaisani Mazaya, Zata, & Rulfah M. Daud. “Analisis Perbandingan Kinerja Keuangan Pada Bank Umum Syariah Sebelum dan Sesudah Melakukan Spin Off (Studi Pada Bank BTPN Syariah).” Aceh: Universitas Syiah Kuala, Vol. 5, No. 1, 2020
[12] Hamidah, I., Milasari, S., Ainiyya, K., Alfiah, I., Noval, S., & Rahmawati, R. (2022). “Analisis Tingkat Kesehatan Unit Usaha Syariah Dalam Menghadapi Tuntutan Spin Off (Menggunakan Metode RGE).” Jurnal Ilmu Perbankan dan Keuangan Syariah, Vol. 4, No. 1
[13] Hasanudin, Maulana. Analisis Perbandingan Kinerja Bank Syariah Hasil Spin Off dengan Bank Konvensional Berdasarkan Metode RGEC. Skripsi. Fakultas Syariah dan Hukum, UIN Syarif Hidayatullah Jakarta, 2016
[14] Hidayati, R. N. “Pengaruh Kepercayaan, Kemudahan Penggunaan, dan Risiko yang Dirasakan Terhadap Adopsi Internet Banking pada Nasabah.” STIE Perbanas Surabaya, 2017
[15] Hrp, Ardhansyah Putra dan Dwi Saraswati. Bank dan Lembaga Keuangan Lainnya. Surabaya: CV. Jakad Media Publishing, 2020
[16] Hidayat, Muhammad Rifqi & Komarudin, Parman. “Penyelesaian Sengketa Wakaf Melalui Jalur Litigasi dan Non-Litigasi.” Al-Adl: Jurnal Hukum, Vol. 11, No. 2, 2019
[17] Hendro Wibowo. “Spin Off Lalu Apa?” Artikel, DPP Ikatan Ahli Ekonomi Islam (IAEI), 2015.
[18] Ismal, R. (2013). Risiko dan Efisiensi Bank Syariah. Jakarta: Gramedia Pustaka Utama
[19] Luqyan Tamani. “UUS Bank Syariah dan Spin Off.” Artikel, Tazkia, 2012.
[20] Majid, M. Shabri Abd. “Spin Off Unit Usaha Syariah: Studi Kasus Bank Konvensional di Indonesia.” Jurnal Ekonomi Syariah, Vol. 12, No. 1, 2020
[21] Munawir. (2014). Analisa Laporan Keuangan. Edisi Keempat. Yogyakarta: Liberty
[22] Otoritas Jasa Keuangan. (2023). Peraturan OJK Nomor 12 Tahun 2023 tentang Bank Syariah dan Unit Usaha Syariah
[23] Pedoman Penulisan Skripsi. Tim Penyusun Pedoman Penulisan Skripsi Fakultas Syariah. Jambi: Syariah Press, 2020
[24] Qurrotu’ain, Nela. Analisis Spin Off terhadap Kinerja Bank Bjb Syariah Kantor Pusat Bandung Berdasarkan Peraturan Otoritas Jasa Keuangan No. 12 Tahun 2023.
[25] Sobarna, Nanang. “Analisis Perbedaan Perbankan Syariah Dengan Perbankan Konvensional.” Jurnal Ilmiah Ekonomi dan Keuangan Syariah, Vol. 3, No. 1, Juli 2021
[26] Sugiyono. Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: Alfabeta
[27] Yulyanti, Anggi & Endang Hatma Juniwati. “Pengaruh Spin Off dan Konsolidasi Bank Umum Terhadap Market Share dan Kinerja Bank Syariah di Indonesia.” Jurnal Ekonomi Syariah Teori dan Terapan, Vol. 9, No. 5, September 2022.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
