Tantangan dan Peluang Lembaga Keuangan Syariah: Kajian Literatur

Kartika; Jamaluddin Majid; Rika Dwi Ayu Parmatasari

doi:10.37567/shar-e.v11i1.3911

Kartika Universitas Sultan Muhammad Syafiuddin Sambas
Jamaluddin Majid Universitas Islam Negeri Alauddin Makassar
Rika Dwi Ayu Parmatasari Universitas Islam Negeri Alauddin Makassar

DOI: https://doi.org/10.37567/shar-e.v11i1.3911

Keywords: Islamic Financial Institutions, Financial Inclusion, Digitalization

Abstract

This study aims to analyze the concepts, principles, implementation, as well as the challenges and opportunities of Islamic Financial Institutions (IFIs) in Indonesia through a qualitative literature review method. The findings show that IFIs—including Islamic banks, Islamic insurance, Islamic cooperatives, Islamic pawnshops, and Islamic finance companies—have grown significantly and contributed to the economy, particularly in financing the real sector and empowering micro, small, and medium enterprises (MSMEs). This development is supported by regulations, fatwas issued by the National Sharia Council–Indonesian Ulema Council (DSN-MUI), and the increasing public awareness of Sharia-based finance. Nevertheless, IFIs still face challenges such as low Sharia financial literacy, limited product variety, and the need for consistent Sharia compliance. On the other hand, there are substantial opportunities through product innovation, government support, and digitalization, which can enhance financial inclusion and expand service reach. Therefore, strengthening literacy, ensuring consistent Sharia compliance, and utilizing digital technology are crucial strategies to reinforce the role of IFIs in establishing a just, ethical, and sustainable financial system.

References

Alimuddin, A. (2016). Perkembangan Lembaga Keuangan Syariah di Indonesia. Yogyakarta: Penerbit Pustaka Pelajar.

Andini, W. Y., Aisyah, A. R., Syarif, S. H., Shafiyah, S. M. A., & Afif, A. F. R. (2024). Integrasi Prinsip Ekonomi Islam dalam Penerapan Ekonomi Hijau di Indonesia: Menuju Pembangunan Berkelanjutan. Journal of Economics and Business, 2(2), 247–254. https://doi.org/10.61994/econis.v2i2.499

Asnaini, D., & Yustati, H. (2017). Lembaga Keuangan Syariah: Teori dan Praktiknya di Indonesia. Yogyakarta: Pustaka Pelajar.

Bado, B. (2022). Model Pendekatan Kualitatif: Telaah dalam Metode Penelitian Ilmiah (1 ed.). Tahta Media Group.

Djamil, F. (2016). PENGEMBANGAN DAN INOVASI PRODUK LEMBAGA KEUANGAN SYARIAH DI INDONESIA (KAJIAN TRANSAKSI BERBASIS SYARIAH DAN HUKUM POSITIF). Kordinat: Jurnal Komunikasi Antar Perguruan Tinggi Agama Islam, 15(2), Article 2. https://doi.org/10.15408/kordinat.v15i2.6327

Indonesia, P. P. (1992). UU No. 25 Tahun 1992 Tentang Perkoperasian. Database Peraturan | JDIH BPK. https://peraturan.bpk.go.id/Details/46650/uu-no-25-tahun-1992

Indonesia, P. P. (2008). Undang-undang (UU) Nomor 20 Tahun 2008 tentang Usaha Mikro, Kecil, dan Menengah. Database Peraturan | JDIH BPK. http://peraturan.bpk.go.id/Details/39653/uu-no-20-tahun-2008

Kasdi, A. (2016). ANALISIS BUNGA BANK DALAM PANDANGAN FIQIH. IQTISHADIA, 6(2), Article 2. https://doi.org/10.21043/iqtishadia.v6i2.1111

Khan, F. (2020). Islamic Finance: Principles and Practice. New York: Palgrave Macmillan.

Mubarokah, I., Beik, I. S., & Irawan, T. (2017). Dampak Zakat terhadap Kemiskinan dan Kesejahteraan Mustahik (Kasus: BAZNAS Provinsi Jawa Tengah). AL-MUZARA’AH, 5(1), Article 1. https://doi.org/10.29244/jam.5.1.37-50

Mulia, S. (2014). Keuangan Syariah: Teori dan Praktek dalam Sistem Ekonomi Islam. Jakarta: Salemba Empat.

Mulyani, E. (2018). Pengaruh Perkembangan Sistem Keuangan Syariah terhadap Ekonomi Nasional. Jakarta: Rajawali Pers.

Rizki, A. (2020). Fintech dan Pengaruhnya terhadap Sistem Keuangan Syariah. Surabaya: Ghalia Indonesia.

Shafii, A. (2015). Ekonomi Islam dan Perkembangan Keuangan Syariah di Indonesia. Bandung: Alfabeta