Aktualisasi dalam upaya meningkatkan kepercayaan dan stabilitas risiko bank syariah
Abstract
Islamic banking in Indonesia has experienced rapid development, but still faces significant challenges in maintaining public trust and risk stability. The main problems faced are low Islamic financial literacy, lack of understanding of Islamic principles, and weak implementation of risk management in accordance with Islamic values. In addition, service accessibility, digitalization quality, and operational transparency also affect customer perceptions and loyalty. Global economic uncertainty, regulatory pressure, and potential financing risks reinforce the urgency of the need for relevant and adaptive strategy actualization. This study aims to examine how actualization in various aspects - such as improving services, digital innovation, implementing Islamic social values, and integrated risk management - can increase trust and maintain the financial stability of Islamic banks. Using a literature review approach, this study concludes that actualization must be part of a sustainable and value-based long-term strategy. This approach not only strengthens the position of Islamic banks in the national financial system but also builds institutional resilience in facing economic and social challenges. Thus, trust and stability can be achieved through synergy between values, strategies, and consistent implementation.
Downloads
References
Auliah, A., Jannah, M., & Ali, M. F. (2024). PERAN INOVASI LAYANAN DALAM MENINGKATKAN KEPUASAN NASABAH PADA BANK SYARIAH DI ERA DIGITAL. 12(7).
Helvina Dia Nengsi, Nurul Hak, & Evan Stiawan. (2025). Pengaruh Aksesibilitas, Faktor Sosial Terhadap Kepercayaan Masyarakat pada Bank Syariah (Studi pada Masyarakat Pagar Dewa Kota Bengkulu). An-Nisbah: Jurnal Perbankan Syariah, 6(1), 150–167. https://doi.org/10.51339/nisbah.v6i1.3565
Lestari, I. F., & Oktaviana, U. K. (2020). Peranan komite audit dan dewan pengawas syariah terhadap kualitas laporan keuangan (studi kasus pada BPRS di Jawa Timur). El Dinar, 8(1), 29–36. https://repository.uin-malang.ac.id/5680/
Lubis, W. F. (2024). MANAJEMEN RISIKO REPUTASI PADA PERBANKAN SYARIAH : STUDI LITERATUR. 10(5).
Mahardika, S. G., Zulfikar, A. L., & Fitriah, R. R. A. (2024). IMPLEMENTASI MANAJEMEN RISIKO PADA PERBANKAN SYARIAH DI INDONESIA.
Maulidiyah, M., & Khoiriyah, E. Z. (2024). ANALISIS FAKTOR YANG MEMPENGARUHI MINAT MASYARAKAT LAMONGAN MENJADI NASABAH BANK SYARIAH. 7.
Melinda, E. (n.d.). Implementation of risk management in murabahah financing at BMT UGT Nusantara Pasuruan. 2. https://repository.uin-malang.ac.id/16773/
Muammar Khaddafi, Rizki Zaskiyah Daulay, Ira Wahyuni, Elke Dwi Soraya, Zuhra Quratul Aini, & Faraisha Syahryanna. (2024). Pengaruh Kualitas Layanan Akuntansi Syariah Terhadap Kepercayaan Nasabah Bank Syariah. SANTRI : Jurnal Ekonomi dan Keuangan Islam, 2(6), 94–103. https://doi.org/10.61132/santri.v2i6.1005
Muchlis, S. (2025). Integrasi Tata Kelola Dewan Pengawas Syariah dan Manajemen Likuiditas dalam Meningkatkan Stabilitas Keuangan Bank Syariah di Era Ketidakpastian Global. 6(1).
Murni Nia. (2023). TINGKAT KEPERCAYAAN MASYARAKAT TERHADAP PENGAMBILAN MODAL USAHA PERBANKAN BERBASIS SYARIAH. Jurnal Online Program Studi Pendidikan Ekonomi. https://doi.org/Vol. 8, No. 3, Agustus2023, Hal: 521-534, Doi: https://doi.org/10.36709/jopspe
Putri Aprilya Rahmawati & Fauzatul Laily Nisa. (2024). Analisis Manajemen Risiko pada Bank Syariah Indonesia. Jurnal Riset Perbankan Syariah, 75–82. https://doi.org/10.29313/jrps.v3i1.4039
Rohmah, R. M., & Nuzula, I. F. (2024). Membangun Kepercayaan: Peran LPS Syariah dalam Menjaga Stabilitas Perbankan Syariah.
Sani, C. (2025). Analisis Penerapan Manajemen Resiko Strategis Pada Bank Syariah. 3.
Setyaningrat, D., Mushlihin, I. A., & Zunaidi, A. (2023). Strategi Digitalisasi untuk Mendorong Inklusi Keuangan Nasabah Bank Syariah: Pendekatan Technology Acceptance Model (TAM).
Solekah, N. A., & Nugraha, R. I. C. (2021). Anteseden loyalitas nasabah: Islamic branding, kualitas layanan dan kepercayaan. Jurnal Nusantara Aplikasi Manajemen Bisnis, 6(2), 283–296. https://repository.uin-malang.ac.id/9950/
Umar, S. H. (2020). Strategi Manajemen Risiko Pembiayaan Murabahah Pada Pembiayaan Pemilikan Rumah di Bank Syariah Mandiri. 4.
Yati, N., Ilham Gani, & Hamid, S. (2024). Analisis Penerapan Strategi E-Service Quality dalam Upaya Mempertahankan Kepercayaan Nasabah Bank Syariah Indonesia KCP Makassar Veteran. Journal of Institution and Sharia Finance, 7(2). https://doi.org/10.24256/joins.v7i2.5370
Copyright (c) 2025 Moh Nur Fadhilah
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.
