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All Journal EKSYA: Jurnal Ekonomi Syariah
Sindy Wahyu Silvia
Universitas Nahdlatul Ulama Sunan Giri
Economics, Econometrics & Finance

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PERKEMBANGAN PERBANKAN SYARIAH DI INDONESIA DAN DI DUNIA Sindy Wahyu Silvia; Saqif Bagas Baihaqi
EKSYA : Jurnal Ekonomi Syariah Vol 6 No 1 (2025): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

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The development of the global financial system has facilitated the emergence of Islamic banking as an alternative financial system grounded in the principles of justice and Islamic ethics. Islamic banking operates in accordance with the Qur’an and Sunnah by prohibiting practices involving riba (interest), gharar (uncertainty), and maysir (gambling). This article aims to examine the development of Islamic banking in Indonesia and globally, as well as to analyze the role of Sharia contracts in banking operations. This study employs a qualitative approach, utilizing a literature review to examine various relevant sources. The findings indicate that Islamic banking has experienced significant growth, supported by strong regulatory frameworks and increasing public awareness. The implementation of Sharia contracts is a key factor in maintaining the stability and sustainability of Islamic banking at both national and global levels.
SISTEM OPERASIONAL LEMBAGA KEUANGAN SYARIAH DAN KONTRIBUSINYA TERHADAP PEMBERDAYAAN UMAT Sindy Wahyu Silvia; Eko Arief Cahyono; Indri Putri Pratiwi
EKSYA : Jurnal Ekonomi Syariah Vol 6 No 2 (2025): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

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This article examines the implementation of the operational systems of Islamic Financial Institutions (LKS) and their contribution to enhancing community empowerment. LKS represents an alternative financial system based on Sharia principles, including the prohibition of usury (riba), uncertainty (gharar), and speculation (maisir). This study employs a qualitative approach, utilizing a literature review method to analyze various scholarly sources and official documents. The findings indicate that LKS carries out fund collection and distribution through Sharia-compliant contract schemes such as mudharabah, musyarakah, murabahah, ijarah, salam. These operations are supervised by the Sharia Supervisory Board (DPS), the Financial Services Authority (OJK), and the National Sharia Council – Indonesian Ulema Council (DSN-MUI) to ensure full compliance with Islamic principles. Furthermore, LKS integrates Sharia-based financial technology (fintech) to promote inclusive financial services and innovation. From a social perspective, LKS plays a significant role in supporting micro, small, and medium enterprises (MSMEs), providing Sharia-compliant financing, managing Islamic social funds—such as zakat, infak, sedekah, and waqf—productively, and enhancing public awareness of Islamic financeThese findings confirm that LKS serves not only as a financial intermediary but also as a catalyst for community empowerment, contributing to the development of a just and sustainable economic system.
Co-Authors Eko Arief Cahyono Indri Putri Pratiwi Saqif Bagas Baihaqi