Implementasi manajemen strategi pada lembaga keuangan syariah untuk meningkatkan daya saing di era digital
Abstract
The rapid advancement of digital technology has significantly transformed the operational landscape of financial institutions, including Islamic banks. In the digital era, the implementation of strategic management plays a vital role in maintaining competitiveness and improving organizational performance. This study aims to analyze how strategic management practices can enhance the competitiveness of Islamic banks amid digital transformation. The analysis is based on a review of various national journals focusing on digitalization, product innovation, service quality, and human resource adaptation within Islamic financial institutions. The findings indicate that the success of Islamic banks in facing digital challenges is highly influenced by their ability to integrate technology, develop human resource competencies, and uphold Sharia principles in every innovation. Effective digital strategies not only improve operational efficiency but also strengthen customer loyalty and expand market reach. Therefore, optimizing technology-based strategic management is a key factor in reinforcing the competitive position of Islamic banks in the digital era.
Downloads
References
Bakhri, S., Asnawi, N., & Djalaluddin, A. (2023). The use of information technology system for risk control at a sharia cooperative. Shirkah: Journal of Economics and Business, 8(1), 48–59. https://repository.uin-malang.ac.id/13401/
Bakhri, S., Rofiq, A., & Faizun, D. (2022). Analisis faktor-faktor penggunaan aplikasi mobile dalam meningkatkan jasa layanan terhadap lembaga keuangan mikro syariah. Tasharruf: Journal of Islamic Economics and Business, 3(2), 73–87. https://repository.uin-malang.ac.id/12797/
Febriani, W. (2024). Strategi pemasaran perbankan syariah berbasis teknologi informasi pada era digital. Sahmiyya: Jurnal Ekonomi Dan Bisnis, 217–222.
Fitriani, N. E. (2025). Pengaruh Strategi Digital Marketing dan Tingkat Bagi Hasl Akad Mudharabah terhadap Minat Nasabah Tabungan Haji Indonesia di Bank Syariah Indonesia Kantor Cabang Pamekasan. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 10(2).
Lainufar, S., & Hana, K. F. (2025). PEMANFAATAN TEKNOLOGI DIGITAL DALAM PEMASARAN PRODUK PERBANKAN SYARIAH DI INDONESIA. Jariyah: Jurnal Ilmu Akuntansi Dan Keuangan Syariah, 2(2), 284–303.
Putri, T. A., Bahrudin, M., & Fitri, A. O. (2025). Strategi Digitalisasi terhadap Bank Syariah untuk Meningkatkan Daya Saing. Jurnal Bersama Ilmu Ekonomi (EKONOM), 1(2), 146–153.
Sampurna, P. A., & Miranti, T. (2022). The effect of service quality, banking digitalization, and customer relationship management (CRM) on customer loyalty. Jurnal Maksipreneur: Manajemen, Koperasi, Dan Entrepreneurship, 12(1), 303–315. https://repository.uin-malang.ac.id/14840/
Sudarmanto, E., Yuliana, I., Wahyuni, N., Yusuf, S. R., & Zaki, A. (2024). Transformasi Digital dalam Keuangan Islam: Peluang dan Tantangan. Jurnal Ilmiah Ekonomi Islam, 10(1), 645. https://repository.uin-malang.ac.id/19648/
Sulistyowati, S., Rahayu, Y. S., & Naja, C. D. (2023). Penerapan artificial intelligence sebagai inovasi di era disrupsi dalam mengurangi resiko lembaga keuangan mikro syariah. Wadiah: Jurnal Perbankan Syariah, 7(2), 117–142. https://repository.uin-malang.ac.id/14889/
Copyright (c) 2025 ama dwi aliyana
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.
