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Journal : Shar-E: Jurnal Kajian Ekonomi Hukum Syariah

Tantangan dan Peluang Lembaga Keuangan Syariah: Kajian Literatur Kartika; Majid, Jamaluddin; Parmatasari, Rika Dwi Ayu
Shar-E : Jurnal Kajian Ekonomi Hukum Syariah Vol. 11 No. 1 (2025): Shar-E: Jurnal Kajian Ekonomi Hukum Syariah
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/shar-e.v11i1.3911

Abstract

This study aims to analyze the concepts, principles, implementation, as well as the challenges and opportunities of Islamic Financial Institutions (IFIs) in Indonesia through a qualitative literature review method. The findings show that IFIs—including Islamic banks, Islamic insurance, Islamic cooperatives, Islamic pawnshops, and Islamic finance companies—have grown significantly and contributed to the economy, particularly in financing the real sector and empowering micro, small, and medium enterprises (MSMEs). This development is supported by regulations, fatwas issued by the National Sharia Council–Indonesian Ulema Council (DSN-MUI), and the increasing public awareness of Sharia-based finance. Nevertheless, IFIs still face challenges such as low Sharia financial literacy, limited product variety, and the need for consistent Sharia compliance. On the other hand, there are substantial opportunities through product innovation, government support, and digitalization, which can enhance financial inclusion and expand service reach. Therefore, strengthening literacy, ensuring consistent Sharia compliance, and utilizing digital technology are crucial strategies to reinforce the role of IFIs in establishing a just, ethical, and sustainable financial system.
Co-Authors Abdillah Abubakar, Achmad Aditia Afriani, Imroatul Husna Ainur Rofiq Aisyah Galuh M Al Amrie, Machmud Al Farizi, Reza Ali Afif Alkasanah, Adhin Amiruddin Amri, Muh. Amsari, Duwi Anggun Angel Laura Anggia Sari Lubis, Anggia Sari Anggraini, Devita Anugrah Ari Kartiko, Ari Arif, Ali Arnawan Hasibuan Aspian Nur, Adi Asran Ayu Rafiony Azhar Mu'alim Azzaki, Fikri Busran Cecep Abdul Cholik Cut Muthiadin Dany Try Hutama Hutabarat Dewiola, Sara Dewiyana Dian Arief Pradana Dina Aprilia, Dina Eka Fazilla, Rina Febriati Fikriwansyah, Aswir Firdaus Ramadhan, Firdaus Galib, M. Ghoza, Muhammad Radian Hamna Hamsiah Hardi Mulyono Hasia Marto Henny Irawati Hermawati Hamalding, Hermawati Idawati Idris, Syamsul Ikhwan, Farra Ikhwan, Septi Iklima Imel Indah Purnamawati Irawan Sugoro Ismuntania Izza , Nurul Jamaluddin Majid Jelita Kartiwi, Asti Putri Kasir Kasir Keliat, Aisyah Br. Khairunnisa Batubara Khalid Abdul Wahid Lestari, Anggita Rana Sasmita Lily Surayya Eka Putri, Lily Surayya Eka Lutfianur, Bunga Cyntia Manja Marzuki Mhd Agung Asmara Misbahul Jannah Misran Misriana Mohd Nasir Ismail Muh. Khaerul Ummah BK MUHAJIR Muhammad Yunus MULYADI Muslimin H. Kara Nadila, Irvi Naiya, Sarah Naqi, M. Fatan Nasrullah Bin Sapa Nopriantini Nur Aisyah Nurkholis Nurlela Nurlela Mufida Nurrahmah, Riska Ovami, Debbi Chyntia Pangesti , Resha Ayu Dwi Parmatasari, Rika Dwi Ayu Purwandari, Vivi Rabitah Hanum Hasibuan Rahman Ambo Mase Rakhman, Fakhryan Ramadhani, Lidia Anggita Ritonga, Matnur Rizki Nurfida Pambayun Rizki, Alfathi Rohana Roid, Fahrian Rokhman, Mauhibur Sandi Kurnia Saragih, Gimelliya Sartono Selviyana Shanaya Sholeha, Dania Refia Riska Silitonga, Nelson Siregar, Ismuntania Somantri , Manap Syarifah Thalib, Abdullah Wahyuddin Yani, Cindy Indah Yuliana Yuliana