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Implementation of Sharia Investment in Islamic Banking: Analysis of Principles, Contracts, and Challenges in Strengthening the Islamic Financial System Fatih Siraj; Pani Akhiruddin Siregar; Ahmad Afandi Surbakti
Al Urwah : Sharia Economics Journal Vol. 3 No. 2 (2025): Sharia Governance and Sustainable Finance
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i2.383

Abstract

The development of Islamic banking in Indonesia has shown significant growth, with Islamic investment serving as a key pillar in strengthening the Sharia-based financial system. However, its implementation still faces challenges, including low Islamic financial literacy, limited product innovation, and the need to strengthen governance and risk management. This study aims to analyze the implementation of Islamic investment in Islamic banking by examining its principles, contracts, and challenges in supporting Sharia economic growth. The research employs a qualitative approach using a literature study method by reviewing and analyzing relevant scientific sources related to Islamic investment and banking practices. The results indicate that Islamic investment based on mudharabah, musyarakah, murabahah, and ijarah contracts plays an important role in improving Islamic banking performance, particularly when supported by technological innovation and adequate regulatory frameworks. In conclusion, strengthening financial literacy, enhancing product innovation, and improving governance are essential strategies to optimize Islamic investment and promote the sustainability of Islamic banking in supporting national economic development.
Risk Analysis in Sharia Investment Management for Sharia Deposit Products Sharia Deposits Triwanda Aditiya; Pani Akhiruddin Siregar; Ahmad Afandi
Al Urwah : Sharia Economics Journal Vol. 3 No. 2 (2025): Sharia Governance and Sustainable Finance
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v3i2.390

Abstract

The development of Islamic banking in Indonesia has shown significant growth, with Islamic investment serving as a key pillar in strengthening the Sharia-based financial system. However, its implementation still faces challenges, including low Islamic financial literacy, limited product innovation, and the need to strengthen governance and risk management. This study aims to analyze the implementation of Islamic investment in Islamic banking by examining its principles, contracts, and challenges in supporting Sharia economic growth. The research employs a qualitative approach using a literature study method by reviewing and analyzing relevant scientific sources related to Islamic investment and banking practices. The results indicate that Islamic investment based on mudharabah, musyarakah, murabahah, and ijarah contracts plays an important role in improving Islamic banking performance, particularly when supported by technological innovation and adequate regulatory frameworks. In conclusion, strengthening financial literacy, enhancing product innovation, and improving governance are essential strategies to optimize Islamic investment and promote the sustainability of Islamic banking in supporting national economic development.
Co-Authors Abdul Kadir Zailani Abu Dzar Al-Ghifari Ade Wahyu Ramadhani Adinda Khairunisa Ahmadi Ahlamul Jaris Ahmad Afandi Ahmad afandi surbakti Ahmad Furqon ginting Ahmad Muhajir Akhmad Shandy Alfikri, Muhammad Nabil Alisyah Ramadhani Alnamira Alnamira Amanda Nabila Amelia Zahra Siregar Amiur Nuruddin Ananda, Finta Aura Maritza Zen Bahari Bahari Bancin, Kadri Bancin, Kadri Deti Tri Kurnia Dewi Kumala Sari Hasibuan Dimas Setiawan Dina Fakhira Dwi Sabrina Ummaya Dwi Yana Rahmalita Eka Pertiwi Viranda Elmaya Lisa Evi Flora Harianta Sirait Fadhil Musyafa Fara Natasya Hamzah Lubis Fatah Wirayuda Fatih Siraj Fitri, Elisa Hafizhah, Aqilah Hasibuan, Dini Anggrayani Hastuti Olivia Ihda Tazqia Hasibuan Ilmi Marbun, Miftahul Imelda Saragih Ira Mayasha Irma Damayanti Juliana Kadri Bancin Kadri Bancin Kadri Bancin Kartika, Dinda Ayu Khairunisyah Arriddho Khasanah Khairiyyah Kinkin Wardani Leo Kusuma Lutfiah Marsya Irsan M. Yusuf Mardhani Asry Marisa, Mawar Marliyah Maya Dita Anggraini Muhammad Gifari Sitorus Muhammad Habibur Rosyid Muhammad Nabil Alfikri Muhammad Zidansyah Mutiara Annisa Nabila Intan Safira Nadia Aswana Nilna Mayang Kencana Sirait Ningtias, Agus Nur Janah Nur Janah Nur'ain Harahap Nurly Aulia Rahman NURUL KARIMAH Nurul Sapika Olivia Shafitri Popi Adiyes Putra Putri Aulia Putri Indah Sari Raihani Fadila Ratna Reza Aliyanda Ridho Laksamana Fajri Riska Sri Rahayu Risva Nanda Sinaga Safriani Safriani Salwa Nabila Sinta Sintia Br. Karo Siti Ruwaida Solatiah Nasution Suginam Suryani Suryani Syahrani, Novia Syaiful Bahri, Amelia Ramdhani Syaiyuti Tiara Devani Hasibuan Tiara Pratiwi tri wahyuni Triwanda Aditiya Tumanggor, Arief Hidayat Wanda, Kaila Wastka Ningrum Wildan Akhir Nasution Yolanda Fransiska Yuli Pratiwi Yuni Sartika