Strategi manajemen sumber daya, sistem bagi hasil, dan adopsi teknologi pada lembaga keuangan syariah

Untuk meningkatkan efisiensi dan kepuasan nasabah

Authors

  • chealshe oliviana fega alhadid Program Studi Perbankan Syariah, Universitas Islam Negeri Maulana Malik Ibrahim Malang

Keywords:

Resource management, profit sharing system, technology adoption, islamic financial institutions, efficiency, customer satisfaction

Abstract

This study aims to analyze resource management strategies, profit-sharing systems, and technology implementation in Islamic financial institutions to improve operational efficiency and customer satisfaction. Professional and competent human resource management is key to ensuring fast, accurate, and sharia-compliant services. The implementation of fair and transparent profit-sharing systems, such as mudharabah and musyarakah contracts, increases customer trust and creates financial efficiency. Furthermore, adopting digital technology, including mobile banking and sharia-based information systems, accelerates service delivery and strengthens transaction transparency, thereby enhancing customer satisfaction. This study uses a qualitative descriptive approach with a literature review and comparative analysis of the practices of Islamic financial institutions in Indonesia. The results indicate that the simultaneous integration of these three strategies can improve institutional performance, process efficiency, and customer loyalty. This study also emphasizes the importance of technological innovation and human resource capacity development as part of a sustainable management strategy. These findings align with international literature on digital transformation and management strategies in Islamic banking.

Downloads

Download data is not yet available.

Downloads

Published

2025-10-17

How to Cite

alhadid, chealshe oliviana fega. (2025). Strategi manajemen sumber daya, sistem bagi hasil, dan adopsi teknologi pada lembaga keuangan syariah: Untuk meningkatkan efisiensi dan kepuasan nasabah. Maliki Interdisciplinary Journal, 3(12), 1691–1697. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/19305

Issue

Vol. 3 No. 12 (2025): DECEMBER

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.