Manajemen strategi bank syariah dalam menghadapi persaingan dengan bank konvensional
Abstract
The growth of Islamic banking in Indonesia continues to increase, but in terms of market share, it still lags behind conventional banks. This condition requires the implementation of effective strategic management so that Islamic banks can compete healthily and sustainably. This article uses a qualitative descriptive method with a conceptual analysis approach to discuss the application of strategic management in facing such competition. The main focus includes product differentiation, digital transformation, increasing Islamic financial literacy, and strengthening human resources. The analysis results indicate that the competitive advantage of Islamic banks can be built through the integration of maqashid sharia values with modern innovations, including digital strategies and spiritually based services. With the right strategy, competition with conventional banks can become an opportunity to strengthen the identity and expand the role of Islamic banks in the national financial system.
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