Analisis Kebijakan Makro Ekonomi Pemerintah Terhadap Peningkatan Market Share Bank Syariah di Indonesia

Rivai Yusuf, Haryono Haryono
2022 Ad Deenar Jurnal Ekonomi dan Bisnis Islam  
The purpose of this study is to analyze the government's macroeconomic policies to increase the market share of Islamic banks in Indonesia. Among the government's macroeconomic policies are the transfer of hajj funds to Islamic banks, the merger of three state-owned Islamic banks, the halal industry, and the development of a sharia economic ecosystem in Indonesia. The control tools and policy directions that serve as guidelines for Islamic banks are the 2020-2025 Islamic banking roadmap and the
more » ... 2019-2024 Islamic economic master plan. This type of research is qualitative exploratory with a field study approach. Primary and secondary data were analyzed using the theory of Miles and Huberman. The results show that the government's macroeconomic policies are quite effective in increasing the market share of Islamic banking in Indonesia. The transfer of hajj funds to Islamic banks is quite a big contribution to the increase in market share, while the merger of three state-owned Islamic banks into BSI which is only one year old is not yet considered effective, however, the potential for BSI in the future will significantly contribute to increasing the market share of Indonesian Islamic banks, at most not at the age of five in 2025. The development of the halal industry in Indonesia does not necessarily transform from changing accounts to Islamic banks, it requires a transformation system to move accounts to Islamic banks. The establishment of a sharia economic ecosystem can automatically increase the market share of Islamic banks.
doi:10.30868/ad.v6i01.2285 fatcat:7sey5f6nhjabhlkyvdgwe55amy