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Sekolah Tinggi Ilmu Ekonomi Al-Anwar
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The Evolution of Islamic Banking in Indonesia: Challenges, Opportunities, and Future Prospects Zakiyah Zulfa Rahmah; Naning Windarti Fatmawatie; Yuliani Yuliani; Ahmad Syakur; Dinda Fatmah; Karina Ananda Putri; Syaiful Hasani; Mirhamida Rahmah; Yusriyah Rahmah; Chamdan Purnama; Latif Syaipudin; Ilham Tohari
Jurnal Akuntansi dan Keuangan Islam Vol 13, No 2 (2025)
Publisher : INSTITUT AGAMA ISLAM SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jakis.v13i2.888

Abstract

This study aims to analyse the development of Islamic banking in Indonesia through a literature review approach. The study was conducted by examining scientific journals, books, official regulations, and reports from relevant authorities, which were then categorised thematically to provide a comprehensive overview. The results of the study show that Islamic banking has made significant progress since the establishment of Bank Muamalat Indonesia in 1992 to the formation of Bank Syariah Indonesia in 2021. This development is supported by regulations, including Law Number 21 of 2008, as well as authority policies that strengthen institutional structures. However, the market share of Islamic banking is still limited, public literacy is low, and the availability of competent human resources is inadequate. Nevertheless, growth opportunities are open through government support, digital transformation, and sustainable finance trends that are in line with Islamic principles. This study has limitations because it only uses literature review, so the findings are conceptual. Therefore, further studies are recommended to use empirical methods to assess the effectiveness of policies, digitalisation strategies, and the performance of Islamic banking compared to conventional banking. Penelitian ini bertujuan menganalisis perkembangan perbankan syariah di Indonesia melalui pendekatan kajian pustaka. Kajian dilakukan dengan menelaah jurnal ilmiah, buku, regulasi resmi, serta laporan dari otoritas terkait, yang kemudian dikategorikan secara tematik untuk memberikan gambaran menyeluruh. Hasil penelitian menunjukkan bahwa perbankan syariah telah mengalami kemajuan signifikan sejak berdirinya Bank Muamalat Indonesia pada tahun 1992 hingga terbentuknya Bank Syariah Indonesia pada tahun 2021. Perkembangan ini didukung oleh regulasi, termasuk Undang-Undang Nomor 21 Tahun 2008, serta kebijakan otoritas yang memperkuat struktur kelembagaan. Meskipun demikian, pangsa pasar perbankan syariah masih terbatas, literasi masyarakat rendah, dan ketersediaan sumber daya manusia kompeten belum memadai. Namun, peluang pertumbuhan terbuka melalui dukungan pemerintah, transformasi digital, serta tren keuangan berkelanjutan yang sejalan dengan prinsip syariah. Penelitian ini memiliki keterbatasan karena hanya menggunakan kajian literatur sehingga temuan bersifat konseptual. Oleh karena itu, studi lanjutan disarankan menggunakan metode empiris untuk menilai efektivitas kebijakan, strategi digitalisasi, dan kinerja perbankan syariah dibandingkan konvensional.
Co-Authors Abdul Mujib Ahmad Luthfi Ahmad Syakur Alfaina Karem, Nahdya Andriani Andriani Aslikhah, Nurul Ayu Rahmawati Aza Triya Vinata Azizah Fitriani Binti Mutfarida Binti Mutfarida Chairul Anam Chairul Anam Chairul Anam, Chairul Citra Kusuma Dewi Dini Khofifah Sari Eka Fina Sofiani Eki Nindasari Elly Istiana Maulida Ester Nabila Fadriana Irgi Ayu Vinata Fatihatun Nikmah Fitriyah Fatmah, Dinda Fatya Nur Aini Aulya Mutmainnah Fitriya Hamida Putri Aqila Hasani , Syaiful Hasani, Syaiful Herlina Nurwahyuni Idah Nurfajriya Awwalin Ilham Tohari Karimatun Nisak Fadhilah Karina Ananda Putri Karina Ananda Putri Karina Ananda Putri Khurnia Setya Rahmawati Kumi Sari Latif Syaipudin Latif Syaipudin Ludi Wishnu Wardana Lukman Hakim Lukman Hakim Lukman Hakim Maula, Farij Ibadil Mirhamida Rahmah Mirhamida Rahmah Mirhamida Rahmah Mirhamida Rahmah Mirhamida Rahmah Nabila Sandi Aprilia Nahdya Alfaina Karem Naning Windarti Fatmawatie Nofita Umami Nur Fadilah Oktavia Putri , Karina Ananda Putri, Karina Ananda Rahmah , Mirhamida Rahmah, Mirhamida Rahmah, Yusriyah Risma Apriliani Laksono Saiful Anam Salsabila Kurnia Putri Soe, Htet Paing Sugeng Mulyono Suwartono Suyanto , Suyanto , Syaiful Hasani Syaiful Hasani Syaiful Hasani Syaiful Hasani Syaiful Hasani Syaiful Hasani Umi Masrifah YULIANI Yuliani Yuliani Yuliani Yusriyah Rahmah Zakiyah Zulfa Rahmah Zakiyah Zulfa Rahmah Zakiyah Zulfah Rahmah