Manajemen strategi di perbankan syariah

Konsep, implementasi dan tantangan

Authors

  • Ike Silvia Fitroh Program Studi Perbankan Syariah, Universitas Islam Negeri Maulana Malik Ibrahim Malang

Keywords:

Strategic management, islamic banking, risk management, digitalization, sustainability

Abstract

Management strategy plays a crucial role in the management of Islamic banks to ensure sustainable growth, improved performance, and financial stability in line with sharia principles. This study discusses the concept of management strategy and its relationship to risk management in the Islamic banking industry in Indonesia, focusing on a case study of Bank Mandiri Syariah (BMS) and the integration process of three large Islamic banks into Bank Syariah Indonesia (BSI). The research method uses a qualitative approach through a literature review of previous research and secondary data sources. The results of the study indicate that the synergy between management strategy and risk management contributes significantly to increased competitiveness, operational efficiency, and strengthening digital service innovation. This integration not only strengthens customer trust but also ensures that all operational activities are in accordance with sharia principles. This study recommends the development of innovative strategies and optimal utilization of digital technology to improve service quality, expand market reach, and support the sustainability of the Islamic banking industry in the era of digital transformation.

Downloads

Download data is not yet available.

Downloads

Published

2025-10-14

How to Cite

Fitroh, I. S. (2025). Manajemen strategi di perbankan syariah: Konsep, implementasi dan tantangan. Maliki Interdisciplinary Journal, 3(10), 417–422. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/19183

Issue

Vol. 3 No. 10 (2025): OCTOBER

Section

Articles

License

Authors who publish with this journal agree to the following terms:

  • 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.