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All Journal Jurnal Ilmiah Akuntansi Kesatuan International Journal of Management Science and Information Technology (IJMSIT)
Bramastyo Bontas Prastowo
Universitas Ibn Khaldun
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Thirty Years of Indonesian Sharia Banking: Potential, Prospects and Challenges in the Era of Technological Disruption Indupurnahayu Indupurnahayu; Yusuf Amri; Bramastyo Bontas Prastowo; Abrista Devi
Jurnal Ilmiah Akuntansi Kesatuan Vol. 13 No. 5 (2025): JIAKES Edisi Oktober 2025
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v13i5.2676

Abstract

In the contemporary Indonesian economy, banks serve as fundamental financial institutions that play a pivotal role in shaping economic activity, influencing income distribution, and maintaining price stability. The introduction of sharia banking in 1992 was largely driven by concerns within the Muslim community regarding the permissibility of interest (riba) under Islamic law. As a result, sharia banking emerged as an alternative financial system that aligns with Islamic principles, offering interest-free banking solutions. This study provides a comprehensive descriptive analysis of Indonesia's regulatory and legal preparedness in supporting the growth and sustainability of sharia banking institutions over the past three decades. It examines key factors such as economic potential, the availability of skilled human resources, and disparities in asset accumulation between conventional and sharia banks. Additionally, this research assesses the significant developments in the sharia banking sector over the past five years, highlighting key achievements, policy advancements, and institutional reforms aimed at enhancing financial inclusion and competitiveness. Furthermore, the study explores the prospects and challenges of sharia banking in the era of technological disruption. The rapid evolution of digital financial services, fintech integration, and regulatory advancements have created both opportunities and obstacles for the sector. While technology facilitates greater accessibility and operational efficiency, it also poses challenges related to cybersecurity, regulatory adaptation, and market competition. By analyzing these dynamics, this research aims to provide valuable insights into the future trajectory of sharia banking in Indonesia and its potential contributions to a more inclusive and resilient financial system.   Keywords: Sharia banking, Islamic finance, regulatory framework, economic potential, technological disruption
Optimizing Digital Marketing and Service Quality to Strengthen Customer Loyalty in Rural Banks’ Digital Transformation Era Nursamawi Nursamawi; Lucky Hikmat Maulana; Bramastyo Bontas Prastowo
International Journal of Management Science and Information Technology Vol. 6 No. 2 (2026): July - December 2026
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijmsit.v6i2.7502

Abstract

This study examines the effects of digital marketing and service quality on customer loyalty, with customer satisfaction serving as a mediating variable, at Perumda Bank Perekonomian Rakyat (BPR) Bank Kota Bogor, Indonesia. The study is motivated by the increasing digital transformation in the banking industry and the growing competition from fintech companies and digital banks, which require rural banks to strengthen customer relationships and maintain competitiveness. A quantitative explanatory approach was employed using survey data collected from 100 active customers selected through purposive sampling to ensure respondents had experience using the bank’s digital services. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS), which was considered suitable for examining complex relationships among variables with a relatively small sample size. The findings reveal that service quality has a positive and significant effect on customer satisfaction and customer loyalty, while customer satisfaction significantly influences customer loyalty and mediates the relationship between service quality and loyalty. In contrast, digital marketing does not significantly affect customer satisfaction, although it directly influences customer loyalty. Furthermore, customer satisfaction does not mediate the relationship between digital marketing and customer loyalty. These findings indicate that customer loyalty in rural banking is driven more by service quality and customer satisfaction than by digital marketing activities alone. This study contributes to the limited literature on customer loyalty in rural banking and provides practical insights for bank management in strengthening service quality and optimizing digital marketing strategies to enhance long-term customer relationships.
Co-Authors Abrista Devi Indupurnahayu Maulana, Lucky Hikmat Nursamawi Nursamawi Yusuf Amri