Analisis Konversi Bank BUMD Menjadi Bank Syariah Implikasinya Pada Peningkatan Market Share Bank Syariah di Indonesia (Studi Kasus Bank Aceh Syariah dan Bank NTB Syariah)

Abstract

This paper describes descriptively and analytically related to the conversion of BUMD Banks into Islamic Banks. The banks in question are Bank Aceh Syariah and Bank NTB Syariah. These two banks are proven to have contributed significantly in increasing the market share of Islamic banks in Indonesia. The author argues that this conversion pattern is more effective in increasing the market share of Islamic banks, automatically all customers of conventional banks previously became customers of Islamic banks, then the public's perception of Islamic banks automatically increased, public trust was higher. This research method is an analytical-qualitative research type with a phenomenological approach and behavior change theory, the data analyzed are secondary data that have been published on the OJK (Financial Services Authority) website, Bank Aceh Syariah, and Bank NTB Syariah. The results of the study show that the conversion of BUMD conventional banks to BUS (Islamic Commercial Banks) has proven to be effective in increasing the market share of Islamic banks in Indonesia. Bank Aceh Syariah is in third place with a 5% contribution of 100% market share distribution in 2021 and Bank NTB Syariah is ranked eighth with a contribution of 2% 100% market share distribution in 2021. Based on observations this conversion pattern will be followed by several BUMD banks including Nagari Bank,

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Kontribusi Qanun LKS Terhadap Umkm Sebagai Upaya Meningkatkan Kesejahteraan Ekonomi Masyarakat Kota

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