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All Journal SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Adzkia Nabila
Universitas Islam Negeri Sunan Ampel Surabaya
Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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Bank Syariah dan Produk Pembiayaan: Analisis Implementasi dan Tantangan di Indonesia Adzkia Nabila; Muhammad Yazid
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 3 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : LPPM STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i3.490

Abstract

Sharia banks are financial institutions that operate based on Islamic legal principles that prohibit usury (riba), gharar (gharar), and maysir (gambling). This study aims to analyze the implementation of financing products in Sharia banks in Indonesia, identify the challenges faced, and evaluate their role in promoting Islamic-based economic growth. The research method used is a literature review with a descriptive-analytical approach. Data were collected from various secondary sources, including books, scientific journals, Sharia banking regulations, and financial reports of Sharia banks in Indonesia. The results show that Sharia bank financing products in Indonesia include murabahah, mudharabah, musyarakah, ijarah, and istishna, each with its own characteristics and mechanisms. Murabahah still dominates the Sharia bank financing portfolio, reaching more than 60 percent of total financing. The main challenges faced include low public Sharia financial literacy, limited competent human resources, and competition with conventional banks. This study concludes that strengthening regulations, improving education, and product innovation are key to the sustainability of Sharia banks in Indonesia.
Co-Authors Muhammad Yazid