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Mergers and acquisitions have served as a primary strategy for global banking consolidation over the past three decades, including in Indonesia, which is currently undergoing one of its most massive consolidation waves—one notable example being the emergence of Bank Syariah Indonesia. This article aims to provide a narrative review of the literature on the operational impacts of mergers on bank performance, with a particular focus on implications for the Indonesian context. Based on a systematic search of the Scopus database, 52 peer-reviewed articles published between 2000 and 2025 were analyzed using a narrative thematic synthesis approach. Five main themes were identified: cost efficiency, service quality, risk management, human resource and cultural integration, and information systems and technology integration. The key findings indicate that although 73.1% of studies report post-merger improvements in cost efficiency, these benefits are highly contingent upon the quality of post-merger integration especially in the areas of human resources, organizational culture, and information technology with IT integration failure rates reaching as high as 75%. Domestic mergers consistently achieve efficiency gains more rapidly than cross-border mergers, whereas risk implications depend heavily on the type of merger and the quality of integration. Policy implications include the need for the Financial Services Authority (Otoritas Jasa Keuangan) to monitor post-merger integration quality, provide integration guidelines for smaller banks, take into account the specific characteristics of Islamic banks, and ensure a streamlined, non-burdensome licensing process. Further research particularly empirical studies on banking mergers in Indonesia—is urgently needed to test the generalizability of global findings to the local context.

The analysis intends to evaluate the impact of company values also workload on staff performance at Bank Syariah Indonesia KC Depok Margonda 2. Utilizing a quantitative statistical method, data collection involves observations and surveys provided to 33 employees. Using SPSS version 27, data assessment included aNOVA, correlation analysis, chi-square test, and R-squared value. Outcomes from the t-test reveal workplace culture (X1) adversely affects employee output (Y), yielding a t-value of -5.266, greater t-table 1.697 a significance value of 0.000. In conclusion, workload (X2) contributes positively and considerably to performance, reflected by a t-value of 5.765 > t-table 1.697 also a significance of 0.000. The F-test confirms that both variables jointly affect performance significantly (F-value 16.700 > F-table 3.316). The coefficient of determination (R²) measures 52.7%, revealing that work culture and workload together affect performance, with the remaining 47.3% influenced by different variables.

The progress of Islamic banking in Indonesia led to the merger of three Islamic banks, namely Bank Mandiri Syariah, Bank BNI Syariah, and Bank BRI Syariah became PT. Bank Syariah Indonesia. Financial performance is expected to improve compared to before, indicating the success of the merger. This study aims to determine the difference in financial performance using a comparative analysis of the profitability ratio of state-owned Islamic banks before the merger in 2019-2020 and after merging into PT. Bank Syariah Indonesia Tbk. for 2021-2022 by measuring the level of ROA, ROE, and BOPO ratios in each bank. Data collection is used using documentation techniques. Data analysis was carried out using paired T-tests to determine there were significant differences before and after the merger. The results showed that there was a significant increase in each ratio after the merger. This indicates that there is an increase in financial performance after the merger.

This thesis is a study that examines the influence of People's Business Credit (KUR) on the development of Jelutung micro, small and medium enterprises (MSMEs) at Bank BSI Kc Gatot Subroto, Jambi City. The purpose of this thesis is to be able to find out the effect of people's business credit (KUR) on the development of MSME businesses and to be able to find out the amount of contributions made by KUR to the business development of customers of Bank Syariah Indonesia Kc Gatot Subroto Jambi City.In this study using quantitative methods with data collection techniques namely observation, questionnaires and documentation. Which is the questionnaire itself as an instrument in collecting data. Then a validity test and reliability test were carried out to ensure the accuracy of each question item in the questionnaire to be used in collecting data. After that, a classic assumption test was carried out to ensure the soundness of the data and a hypothesis test in the form of a (t) test, simple linear regression test and test for the coefficient of determination (R2).The results of this study are as follows: (1) People's Business Credit (KUR) has a significant and positive effect on customer business development as evidenced by the significance of KUR of 1.68107 > 0.05 and also the value of the simple regression results which obtains a value of 0.554 which indicates a positive number so that the influence that KUR has is good or positive on the development of the customer's business. (2) The contribution made by KUR to the development of the customer's business is 0.47.8 or 47.8% and the remaining is 0.552. Or 52.2% is influenced by variables or other factors not mentioned in this study.