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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.

Monopoly is a form of market structure characterized by sole control over certain goods or services. In conventional economics, monopoly is often considered as part of market dynamics that can be tolerated under certain conditions, such as natural monopoly. However, from an Islamic microeconomic perspective, monopoly is viewed more critically because it has the potential to cause injustice in the distribution of wealth and market access. This article aims to analyze the concept of monopoly in Islamic economics and examine its implications for market justice. This study uses a descriptive qualitative approach based on literature studies, with sources from classical Islamic literature, the Qur'an, hadith, and contemporary economic theory. The results of the analysis show that Islam forbids monopolistic practices that are detrimental to society, especially in the form of ihtikar or hoarding, and encourages healthy competition and market supervision (hisbah). Thus, the principle of market justice in Islam is not only normative, but has a strong ethical and practical basis to prevent economic domination by a handful of parties.

This research aims to explore the policy management of educational programs at SD IT Al-Anshar Tanjung Pura in integrating the national curriculum with Islamic values. The research approach used is qualitative with a descriptive method, involving observation, interviews, and documentation as data collection techniques. The subjects of the study include principals, teachers, and students, while the object is the education management policy in this school. The results of the study show three main findings: 1) Policy planning is designed to form a generation that excels in academics and has Islamic character through careful planning that involves all parties. 2) The implementation of policies prioritizes a balance between religious and general education, supported by collaboration between teachers, students, and parents, as well as various extracurricular activities. 3) Policy evaluations are carried out regularly to measure the success of educational programs even though they still face the challenge of limited resources. This study emphasizes the importance of the role of planning, collaborative implementation, and regular evaluation in education policy management to achieve holistic educational goals.

This thesis is entitled Application of Islamic Business Ethics at the Zhuraida Sewing House in Berembang Village, Sekernan District, Muaro Jambi Regency. This research aims to determine the application of Islamic business ethics in accordance with the characteristics of the Prophet Muhammad according to M. Syafi'i Antonio and the indicators of Islamic business ethics are shiddiq, amanah, tabligh and fathanah. The method used in this research is descriptive qualitative, where in collecting data the researcher uses observation, interviews and documentation methods. The research results show that the Zhuraida Sewing House has implemented Islamic business ethics as exemplified by the Prophet and its characteristics, namely shiddiq (being honest) which is reflected in not doubling the price of the product, recognizing the weaknesses and strengths of the product. The nature of fathanah (intelligent) is reflected in the spiritual condition of owners and employees who continue to prioritize spirituality towards Allah SWT. and the Zhuraida Sewing House has implemented promotions through brochures and social media such as Whatsapp, Instagram, Facebook, Tiktok and others. However, there are still several obstacles that prevent the Prophet's qualities from being implemented, namely the nature of trustworthiness (keeping promises) which is caused by a lack of workers in the production department because the Zhuraida Sewing House is still neglecting its responsibilities in terms of taking time to complete the product. Then the tabligh (communicative) nature, namely online services, is not running well due to the lack of employees in the service admin section.