Rejection of the single banking system in Aceh after the merger of three general banks into BSI (Case study on students and Acehnese society in Yogyakarta)
Abstract
This article examines the rejection of a single banking system in Aceh after the merger of three commercial banks into Bank Syariah Indonesia (BSI). This study focuses on the views of students and the Acehnese community in Yogyakarta, who felt the direct impact of the implementation of the Sharia Financial Institution Qanun (LKS) in Aceh. The implementation of Qanun LKS has required all financial institutions in Aceh to operate based on sharia principles, however this policy has generated criticism, especially regarding limited banking facilities and options. The research results show that the people of Aceh face various obstacles, including lack of accessibility of BSI facilities, technical problems with mobile banking services, and changes in banking culture that force people to adapt to the new system. This study highlights the challenges faced by BSI in meeting sharia banking needs in Aceh, as well as the need to improve facilities and services to support the implementation of a more effective and inclusive sharia banking system in the area.
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