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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al-Kharaj: Journal of Islamic Economic and Business JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Paradoks : Jurnal Ilmu Ekonomi Amkop Management Accounting Review (AMAR) Trending: Jurnal Manajemen dan Ekonomi Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Maslahah: Jurnal Manajemen dan Ekonomi Syariah IIJSE Neraca Manajemen, Akuntansi, dan Ekonomi Tashdiq: Jurnal Kajian Agama dan Dakwah Jurnal Kajian Islam dan Sosial Keagamaan
Ahmad Perdana Indra
Unknown Affiliation
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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Challenges and Opportunities for Developing Innovative Sharia Financial Products at Bank Syariah Indonesia, Cemara Asri Branch Anisah Cyntia Dewi Pratama; Tuti Anggraini; Ahmad Perdana Indra
Amkop Management Accounting Review (AMAR) Vol. 5 No. 2 (2025): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2811

Abstract

This study aims to The opportunities and challenges of creating cutting-edge Islamic financial products at Bank Syariah Indonesia (BSI) KCP Cemara Asri are examined in this study. Interviews, observations, and document analysis are the methods used to gather data for the qualitative research approach. The results of the study indicate that the main challenges in developing sharia financial products include limited sharia financial literacy in the community, complex regulations, competition with conventional financial products, and limited technological and innovation resources. However, there are great opportunities for BSI KCP Cemara Asri to develop innovative sharia financial products, including increasing public awareness of the sharia economy, government support in strengthening sharia financial regulations, and technological advances that enable the digitalization of banking services. Strategies that can be implemented include increasing sharia financial literacy, optimizing digital technology in product development, and strengthening collaboration with various parties, including sharia fintech. By overcoming existing challenges and using available opportunities, BSI KCP Cemara Asri can increase competitiveness and provide more inclusive and innovative sharia financial solutions for the community.
Co-Authors Anisah Cyntia Dewi Pratama Astri Astri Ayu Lestari Batu Bara, Nazryva Nur Muthia Dimas Ardiansyah Erlina Erlina Fadhila Audi Ubay Hilwatun Nawrah Jannah, Nurul M. Rizky Muhammad Alwan Atha Muhammad Choir Rivaldi Muhammad Lathief Ilhamy Nasution Muzakkir Muzakkir Okky Budi Nurlita Putri Adinda Putri Shakinah Qorry Prananda Aulia Rizka Dwi Rahmadayana Tantery Chandrika Sari Tuti Anggraini Vira Yuniar Zernita Sari Ritonga