Pertumbuhan dan tantangan perbankan syariah di Indonesia
Respon terhadap pandemi Covid-19
Abstract
This This study discusses the significant impact of the Covid-19 pandemic on the Islamic banking industry in Indonesia, as well as efforts to understand the responses and strategies to address these challenges. By using a qualitative approach and analyzing previous research, this study reveals that the pandemic has affected credit distribution, asset quality, and net interest margins. However, Islamic banks have an advantage in profit-sharing systems that make them more flexible in adapting to changes in economic conditions. Additionally, there is an increased demand from the public for Islamic banking products, driven by principles of justice and financial sustainability. With stronger regulatory support, the Islamic banking industry is growing as the preferred choice for individuals valuing Sharia principles in financial services.
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References
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