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All Journal Journal of Economics and Management Scienties AKSIOMA : Jurnal Sains Ekonomi dan Edukasi
Putri, S Ritonga Ari
Unknown Affiliation
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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Strategi Digitalisasi di Bank Syariah untuk Meningkatkan Daya Saing Setiawan, Aji; Diadani, Prans Sintia; Masyita, Rilla; Putri, S Ritonga Ari; Nurbaiti, Nurbaiti
AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Vol. 2 No. 1 (2025): AKSIOMA : Jurnal Sains, Ekonomi dan Edukasi
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/6v1maz65

Abstract

Digitalization strategies in Islamic banks are important to increase competitiveness in the increasingly competitive digital era. The research objective of this journal is to explore the development and strategies of digitization in Islamic banks in an effort to improve their competitiveness in the increasingly growing digital era. With the advancement of financial technology and changes in consumer behaviour, Islamic banks are faced with the challenge of providing faster, easier, and more accessible services, while still complying with sharia principles. This research uses a qualitative approach with the literature study method to collect relevant data and information regarding digitalization in sharia banking. Research results show that the implementation of sharia financial technology, the development of digital banking platforms, the use of Big Data, and the implementation of blockchain are key strategies that can increase the competitiveness of Islamic banks. The implementation of sharia fintech can expand access to banking services and attract young customers, while digital platforms such as mobile banking and internet banking can facilitate transactions. In addition, the use of Big Data allows banks to understand customer behaviours and offer more personalized services, while blockchain increases transaction security and transparency. In conclusion, digitalization is not only an option, but a necessity for Islamic banks to remain relevant and compete in the increasingly dynamic financial market.
Analisis Strategi Peningkatan Literasi Keuangan Syariah di Masyarakat: Studi Kasus Kecamatan Aek Bilah Putri, S Ritonga Ari; Nurwani, Nurwani; Syafina, Laylan
Journal of Economics and Management Scienties Volume 8 No. 3, June 2026 (Accepted)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v8i3.431

Abstract

The problem of this research is the low level of Islamic financial literacy among the community in Aek Bilah District, which is influenced by limited access to Islamic financial services, minimal education, and limited information and supporting infrastructure. This study aims to identify these obstacles and recommend effective literacy improvement strategies. The study used a descriptive qualitative method. The research location was Aek Bilah District with nine key informants, consisting of one village head, one hamlet head, two business owners, and five members of the general public. To broaden the research picture, additional respondents were also involved through questionnaire distribution. The research objects included community understanding of Islamic finance, sources of obstacles, and strategies for improving literacy in the local environment. Data collection techniques used triangulation through observation, structured in-depth interviews, documentation, and questionnaires via Google Forms. The results showed that obstacles to improving Islamic financial literacy, namely low public understanding, were influenced by limited services, educational gaps, obstacles to access to information, local cultural habits, and minimal socialization from financial institutions and the government. Therefore, the recommended strategy is to expand Islamic financial services, strengthen structured outreach, provide education based on age and education level segments, and involve religious and community leaders.
Co-Authors Aji Setiawan Baehaqi Diadani, Prans Sintia Laylan Syafina Masyita, Rilla Nurwani Nurwani, Nurwani