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All Journal Journal of Sharia Economics JAKBS
Putri Wahyuni
Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance

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Peran Strategi Digital Perbankan Syariah Dalam Mendukung Perkembangan Ekonomi dan Ketahanan Menghadapi Tantangan Fintech Dini Anggraini; Putri Wahyuni; Khaidar rahmaini jamila
Jurnal Akuntansi Keuangan dan Bisnis Vol. 3 No. 4 (2026): Januari - Maret
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62379/jakbs.v3i4.3969

Abstract

The development of digital technology has driven significant transformation in the banking industry, including Islamic banking. Digitalization is an important strategy for Islamic banking to improve service efficiency, expand financial inclusion, and maintain competitiveness amid the rapid growth of financial technology (fintech). This study aims to analyze the implementation of digitalization in Islamic banking, examine the role of Islamic banking digital strategies in supporting economic development, and assess the resilience of Islamic banking in facing fintech challenges. The research method used is a qualitative approach with a type of library research, through collecting and analyzing data from books, scientific journals, laws and regulations, and official publications of related institutions. The results show that the digital strategy of Islamic banking contributes positively to increasing financial inclusion, empowering MSMEs, operational efficiency, and Islamic economic growth. In addition, strategic collaboration between Islamic banking and fintech, supported by regulatory strengthening, digital risk management, and compliance with sharia principles, is key in maintaining the resilience of Islamic banking in the digital era.
PARADOKS INOVASI DALAM PRODUK TABUNGAN SYARIAH: PERAN INOVASI, PROMOSI, DAN BAGI HASIL TERHADAP MINAT MENABUNG NASABAH Putri Wahyuni; Atika; Maidalena
Journal of Sharia Economics Vol. 7 No. 2 (2026): Islamic Economics
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v7i2.10706

Abstract

This study aims to analyze the roles of product innovation, promotion, and profit-sharing in influencing customers' saving intentions at Bank Syariah Indonesia (BSI KC S Parman) and to identify the innovation paradox phenomenon within Sharia savings products. The study employs a quantitative approach with an associative design. Data were collected via questionnaires distributed to 100 customers and analyzed using multiple linear regression following validity, reliability, and classical assumption tests. The results indicate that product innovation has a significant negative effect on saving intentions, with a regression coefficient of -0.252, a t-value of -7.152, and a significance level of <0.001. Conversely, promotion has a significant positive effect (coefficient: 0.588; t-value: 17.816; significance: <0.001), as does profit-sharing (coefficient: 0.620; t-value: 14.888; significance: <0.001). Simultaneously, product innovation, promotion, and profit-sharing significantly influence saving intentions, with an F-value of 1006.389 and a significance level of <0.001. The Adjusted R² value of 0.968 indicates that the model explains 96.8% of the variation in saving intentions. The study's key finding reveals an innovation paradox: innovations conceptually expected to enhance product appeal actually exert a negative influence on saving intentions. These results underscore the importance of innovations that are relevant, easily understood, and aligned with customer needs, supported by effective promotion and competitive profit-sharing benefits.
Co-Authors Atika Dini Anggraini Khaidar Rahmaini Jamila Maidalena, Maidalena