Analisis kinerja dan tantangan pengembangan Bank Syariah
Perspektif mahasiswa jurusan Hukum Ekonomi Syariah (HES) UIN Maulana Malik Ibrahim Malang
Abstract
The development of the banking industry, which continues to increase from year to year, must have a balance in terms of performance assessment, where sharia banking performance measurement does not only look at the profit side, but sharia banking as a sharia business entity needs to consider the benefit aspect. From here we take samples from the perspective of students majoring in Sharia Economic Law at UIN Maulana Malik Ibrahim Malang. There are many obstacles that Indonesia faces in developing sharia financial institutions so that they have low competitiveness compared to conventional financial institutions and sharia financial institutions from other ASEAN countries. This research uses qualitative research methods with descriptive analysis techniques. Thus, the aim of ensuring that sharia banking regulations and policies are for sharia banking to suit the needs of the community and the wishes of banking companies. The findings reveal that students are satisfied with sharia bank services because they use sharia contracts, but there are deficiencies in the bank's marketing department so they are less competitive with conventional banks.
Downloads
References
Al-Hakim, Sofyan, (2013). Perkembangan regulasi perbankan syariah di Indonesia. Ijtihad : Jurnal Wacana Hukum Islam Dan Kemanusiaan, 13.1 (2013), 15, https://doi.org/10.18326/ijtihad.v13i1.15-31
Asiyah, Binti Nur (2018). Dampak dan strategi kebijakan pengembangan pembiayaan dan inklusivitas keuangan dalam peningkatan pembiayaan bank syariah di Indonesia, BISNIS : Jurnal Bisnis Dan Manajemen Islam, 5.1 (2018), 133, https://doi.org/10.21043/bisnis.v5i1.2950
Komalasari, Ila, and Wirman Wirman (2021). Analisis perbandingan kinerja keuangan bank konvensional dengan bank syariah periode 2015-2019, Jurnal Akuntansi Bisnis, 14.2 (2021), 94–108 <https://doi.org/10.30813/jab.v14i2.2511
Majid, Shabri Abd. (2014). Regulasi perbankan studi komparatif antara Malaysia dan Indonesia, Media Syariah, 16.1 (2014), 231–54
Najiatun, Alvin Arifin, Ach Zuhri, and Nurlaily Wulandari (2021). Analisis kinerja perbankan syariah di Indonesia periode 2008-2017. Kinerja 18 3, no. 2 (2021): 336–341.
Priyatno, Prima Dwi, Ade Nur Rohim, and Lili Puspita Sari. (2022). Analisis kinerja bank syariah di Indonesia berbasis Maqashid Sharia Index. Jurnal Ilmiah Ekonomi Islam 8, no. 3 (2022): 2434–2443. https://jurnal.stie-aas.ac.id/index.php/jei/article/view/6581.
Sari Pascariati Kasman, Prima (2021). Faktor- faktor yang mempengaruhi kinerja Bank Syariah Indonesia: pemberdayaan sumber daya manusia, motivasi kerja dan perubahan organisasi (Literature Review Manajemen). Jurnal Manajemen Pendidikan Dan Ilmu Sosial 2, no. 2 (2021): 689–696.
Ulum, Fahrur (2018). Progresifitas regulasi keuangan syariah di Indonesia. Al-Daulah: Jurnal Hukum Dan Perundangan Islam, 7.2 (2018), 419–43 https://doi.org/10.15642/ad.2017.7.2.419-443
Copyright (c) 2024 Nurul Aulia, Qoridhotul Asri Ninggar, Muhammad Yusuf Aminullah, Ainin Nikmah, Lalu Muhammad Fahmi Wirasaputra
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.