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Journal : Madani: Multidisciplinary Scientific Journal

Peran Perbankan Syariah Sebagai Nazhir Wakaf Uang di Indonesia Ananda, Lili Permata; Andrini, Rozi
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 11 (2024): December
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

Penelitian ini mengeksplorasi peran perbankan syariah sebagai nazhir wakaf uang di Indonesia, khususnya dalam konteks transformasi digital. Menggunakan pendekatan kualitatif, penelitian ini menganalisis implementasi, tantangan, dan peluang terkait pengelolaan wakaf uang di lembaga perbankan syariah. Hasil penelitian menunjukkan bahwa bank syariah telah secara signifikan meningkatkan pengelolaan wakaf uang melalui integrasi teknologi finansial, yang meningkatkan efisiensi dan transparansi. Namun, tantangan terkait kepatuhan regulasi dan kapabilitas sumber daya manusia masih ada. Studi ini menekankan pentingnya kolaborasi antara bank syariah dan platform fintech untuk mengoptimalkan penghimpunan dan pengelolaan wakaf uang sekaligus memastikan akses yang lebih luas bagi masyarakat. Selain itu, penelitian ini menyoroti kebutuhan akan kerangka regulasi yang mendukung dan peningkatan kompetensi digital di perbankan syariah untuk memaksimalkan potensi wakaf uang di Indonesia. Secara keseluruhan, penelitian ini menekankan bahwa digitalisasi perbankan syariah dapat berkontribusi signifikan terhadap pertumbuhan wakaf uang, yang pada akhirnya memberikan manfaat bagi perkembangan sosial dan ekonomi di negara ini.
Perbankan Syariah di Indonesia Julika, Leny; Andrini, Rozi
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 12 (2025): Januari
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.14538592

Abstract

The Islamic banking industry in Indonesia has grown rapidly over the past two decades, driven by increasing demand from the Muslim community for Sharia-compliant financial services, as well as supportive government policies. This article aims to analyze the development, challenges, and prospects of the Islamic banking industry in Indonesia in 2023 and 2024, using a descriptive qualitative approach with secondary data analysis. The results show that, although Islamic banking has achieved significant growth in terms of assets and customer base, challenges related to regulation, public literacy, and competition with conventional banks remain key obstacles. This study is expected to enhance understanding of the Islamic banking landscape in Indonesia and provide strategic recommendations for strengthening this industry in the future.
Dasar Hukum dan Regulasi Perbankan Syariah di Indonesia Nisaa, Khairun; Andrini, Rozi
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 12 (2025): Januari
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.14548811

Abstract

This article explores the development of Islamic banking in Indonesia, starting with the establishment of Bank Muamalat in 1992. It highlights the growing public demand for a banking system that is in accordance with Islamic principles and discusses the importance of the regulatory framework in ensuring operational legal certainty, consumer protection, and national financial stability. The hierarchy of the legal basis for Islamic banking in Indonesia is examined, including constitutional provisions, relevant laws, and technical regulations. The article concludes with recommendations for regulatory improvement and suggestions for industry growth, emphasizing the need for education, innovation, and collaboration among financial institutions.
Perbankan Syariah dan Relevansinya dengan Pengembangan Ekonomi Syariah di Indonesia Fadilah, Khairul; Andrini, Rozi
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 12 (2025): Januari
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

Islamic banking in Indonesia has experienced rapid development since its introduction in the 1990s, contributing to the creation of a more inclusive and Islamic financial system. This study aims to analyze the role of Islamic banking in the development of the Islamic economy in Indonesia, with a focus on asset growth, adoption of digital technology, and its contribution to the micro, small, and medium enterprise (MSME) sector. Data shows that Islamic banking has experienced an average asset growth of 15-20% per year, with total assets reaching more than IDR 700 trillion by the end of 2023. In addition, digital innovations such as application-based banking services have increased the accessibility and efficiency of financial services for the community. Although Islamic banking faces challenges, such as a lack of human resources and fierce competition with conventional banks, this sector has great potential to support sustainable economic development and achieve the sustainable development goals (SDGs). This study is expected to provide new insights and strategic recommendations for the further development of Islamic banking and the Islamic economy in Indonesia, as well as increase public literacy regarding banking.