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All Journal TSARWATICA (Islamic Economic, Accounting, and Management Journal) Ekonomipedia: Jurnal Ekonomi Manajemen dan Bisnis
Wansyah, Muh. Indra
Unknown Affiliation
Religion Economics, Econometrics & Finance

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LEVEL OF EFFECTIVENESS OF BANKING FINANCING PRODUCTS IN SOUTH SULAWESI COMPARATIVE STUDY OF SHARIA BANKING AND CONVENTIONAL BANKS Rahmadani, Aulia; Toon, Fadiah; Wansyah, Muh. Indra; Kamaruddin, Kamaruddin
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol. 6 No. 2 (2025)
Publisher : STIESA Press

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Abstract

This study evaluated the effectiveness of financing products provided by Islamic and conventional banks in South Sulawesi, focusing on customer growth, asset performance, and financing trends. Data from 2023 showed that Islamic banks recorded a customer growth rate of 5.85%, reaching 49.12 million customers, compared to 4.22% growth for conventional banks with 13.47 million customers. Islamic banks also demonstrated a significant increase in their total assets, from Rp771.29 trillion in February 2023 to Rp851.54 trillion in February 2024. Despite this growth, conventional banks remained dominant in terms of total financing, achieving Rp21.07 trillion, while Islamic banks reached Rp1.45 trillion but with a higher growth rate of 15.89%. The findings indicate that Islamic banking is gaining increasing trust and preference, particularly in regions with a high Muslim population, driven by innovative product offerings and enhanced operational efficiency. However, conventional banks continue to leverage their scale and established market presence. The results highlight the opportunities for Islamic banks to further improve their competitiveness by addressing service speed and expanding product diversity, while conventional banks may benefit from adopting strategies tailored to local market demands. This study underscores the potential for both banking systems to foster financial inclusivity and adapt to evolving consumer needs in South Sulawesi.
An Analysis of Sharia Principle Deviations in the Implementation of Murabahah Contracts at Islamic Financial Institutions in Indonesia: ANALISIS PENYIMPANGAN PRINSIP SYARIAH DALAM IMPLEMENTASI AKAD MURABAHAH PADA LEMBAGA KEUANGAN SYARIAH DI INDONESIA Lestari, Wanda Dewi; Wansyah, Muh. Indra; Ilham
Ekonomipedia: Jurnal Ekonomi Manajemen dan Bisnis Vol. 3 No. 1 (2025): Mei 2025
Publisher : Green Engineering Society

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55043/ekonomipedia.v3i1.280

Abstract

Abstract.This study iams to determine how the deviation of the sharia principle in the implementation of the murabahah contract in Islamic financial institutions in Indonesia. This study is a library research. The results of the study concluded that the deviation of the sharia principle In the murabahah contract in Indonesia can occur in several forms such as (1) non-transparent pricing, (2) involvement in usury practices, (3) lack of supervision. The casual factors are the lack of understanding of sharia principles, pressure to increase profits and lack of supervision of Islamic banks. Abstrak.Penelitian ini bertujuan untuk mengetahui bagaimana penyimpangan prinsip syariah dalam implementasi akad murabahah pada lembaga keuangan syariah di Indonesia. Penelitian ini merupakan penelitian studi pustaka (library research). Hasil penelitian menyimpulkan bahwa penyimpangan prinsip syariah dalam akad murabahah di Indonesia dapat terjadi dalam beberapa bentuk seperti: (1) penentuan harga yang tidak transparan (2) keterlibatan dalam praktik riba (3) kurangnya pengawasan. Adapun faktor penyebabnya adalah: kurangnya pemahaman tentang prinsip syariah, tekanan untuk meningkatkan laba serta kurangnya pengawasan terhadap bank syariah.
Co-Authors ILHAM Kamaruddin Kamaruddin Lestari, Wanda Dewi Rahmadani, Aulia Toon, Fadiah