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All Journal Jurnal Riset Multidisiplin Edukasi
Diana Afriliana
Fakultas Ekonomi dan Bisnis, Universitas Madura
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Transformasi Perbankan dan Lembaga Keuangan di Indonesia: Sinergi Konvensional, Syariah, dan Non-Bank dalam Mewujudkan Keadilan Distributif di Era Digital Achmarul Fajar; Diana Afriliana; Nur Laili; Nurmalina Anastasya
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 7 (2026): Jurnal Riset Multidisiplin Edukasi (Juli 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i7.2373

Abstract

This study aims to analyze the role of conventional banking, Islamic banking, and non-bank financial institutions in supporting Indonesia's economic development, particularly in the context of distributive justice and digital transformation. This research employs a literature review approach by examining regulations, academic journals, and industry reports. The findings reveal that Islamic banks are oriented towards justice and falah principles, conventional banks are profit-oriented through interest-based systems, while non-bank financial institutions expand financial access through insurance, cooperatives, capital markets, and fintech. The synergy of these three institutions, supported by the Financial Services Authority (OJK), is crucial in realizing an inclusive, fair, and sustainable financial system.
Co-Authors Achmarul Fajar Nur Laili Nurmalina Anastasya