Intermediasi keuangan syariah
Sebuah eksplorasi tentang relasi antara bank, nasabah, dan regulasi
Abstract
Penelitian ini mengkaji hubungan antara bank, nasabah, dan regulasi dalam intermediasi keuangan syariah di Indonesia. Hasil menunjukkan bahwa meskipun aset perbankan syariah terus tumbuh, efektivitas intermediasi masih terhambat oleh rendahnya literasi akad, biaya transaksi tinggi, keterbatasan transparansi, dan regulasi yang belum sepenuhnya adaptif terhadap inovasi digital. Diperlukan model intermediasi yang partisipatif, transparan, dan didukung regulasi harmonis untuk meningkatkan daya saing dan keberlanjutan industri. Penelitian ini mengkaji hubungan antara bank, nasabah, dan regulasi dalam intermediasi keuangan syariah di Indonesia. Hasil menunjukkan bahwa meskipun aset perbankan syariah terus tumbuh, efektivitas intermediasi masih terhambat oleh rendahnya literasi akad, biaya transaksi tinggi, keterbatasan transparansi, dan regulasi yang belum sepenuhnya adaptif terhadap inovasi digital. Diperlukan model intermediasi yang partisipatif, transparan, dan didukung regulasi harmonis untuk meningkatkan daya saing dan keberlanjutan industri. Temuan ini menegaskan pentingnya peran otoritas dalam merancang regulasi yang mendorong inovasi sekaligus menjaga prinsip syariah. Selain itu, keterlibatan aktif nasabah melalui peningkatan literasi keuangan syariah menjadi faktor kunci dalam memperkuat kepercayaan dan loyalitas. Dengan sinergi antara bank, nasabah, dan regulator, intermediasi keuangan syariah berpotensi memberikan kontribusi signifikan terhadap stabilitas sistem keuangan nasional dan pencapaian tujuan pembangunan ekonomi berkeadilan.
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