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All Journal Jurnal Ekonomi Syariah Pelita Bangsa INVOICE : JURNAL ILMU AKUNTANSI
Muhlis, Syaiful
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Religion Economics, Econometrics & Finance Education

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Analisis Strategi Bank Syariah Dalam Meningkatkan Market Share Ditengah Eksistensi Bank Konvensional Pada Era Digital Rukmanasari, Ita; Kurniadi, Kurniadi; Mu'min, Muh. Dian Nur Alim; Bulutoding, Lince; Muhlis, Syaiful
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 9 No. 02 (2024): JESPB Edisi Oktober 2024
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v9i02.1658

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana strategi yang dilakukan oleh bank syariah dalam meningkatkan market share ditengah eksistensi bank konvensional pada era digital saat ini. Penelitian dilakukan dengan mengkaji literatur terdahulu yang berisi tentang teori-teori yang relevan terhadap masalah–masalah penelitian. Adapun hasil penelitian menunjukkan bahwa ada beberapa strategi-strategi yang digunakan oleh Bank syariah yakni penerepan pelayanan prima dalam hal ini bank harus terus meningkatkan kepatuahn operasional bank terhadap prinsip syariah. Selanjutnya strategi penetrasi pasar (market penetration), yaitu sebuah strategi yang mengupayakan peningkatan penjualan dengan cara memperbaiki dan memodifikasi produk atau jasa yang ada saat ini, dan strategi pemasaran dan layanan digital karena dengan digital marketing, nasabah mampu menjangkau dan memperoleh seluruh informasi mengenai produk yang di tawarkan di mana pun dan kapan pun. Sehingga digital marketing mampu meningkatkan jumlah konsumen dan loyalitas nasabah begitupun dengan layanan digital dapat memudahkan nasabah dalam melakukan transaksi keuangan Dimana saja da kapan saja. Hal ini yang digunakan oleh bank syariah dalam menarik nasabah agar lebih eksis di era digital saat ini yang akan berdampak pada market share bank syariah itu sendiri.
System Implementation and Governance in Sharia Financial Institutions Samsidar, Samsidar; Arviana, Pipi; Bulutoding, Lince; Muhlis, Syaiful
INVOICE : JURNAL ILMU AKUNTANSI Vol 7, No 1 (2025): Maret 2025
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Makassar

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Abstract

Islamic finance institutions (IFIs) are bound by principles that extend beyond profit-making; they must ensure accountability to Allah SWT in their operations. These institutions are required to adhere strictly to Sharia standards, which guide their governance and systems. This study aims to examine the implementation of systems and governance in IFIs in Indonesia. A descriptive qualitative approach, utilizing library research, was employed to explore this subject. The findings reveal that the primary goal of the Islamic financial system is to redistribute wealth, facilitating the transfer of funds from savers to borrowers in need, thereby promoting economic growth and enhancing social welfare. Shariah governance (SG) is a unique framework that ensures compliance with Islamic laws, akin to the historical concept of hisbah. Effective governance is essential for the success of Islamic finance institutions, ensuring that they operate in accordance with Sharia principles. This study underscores the significance of SG in regulating these institutions, highlighting the role of the Sharia Supervisory Board (SSB) in maintaining Sharia compliance. Furthermore, regulatory frameworks in Indonesia, including laws and guidelines from the National Shariah Board (DSN), ensure that IFIs adhere to these standards, thereby reinforcing their commitment to Islamic ethics and promoting trust within the community
System Implementation and Governance in Sharia Financial Institutions Samsidar, Samsidar; Arviana, Pipi; Bulutoding, Lince; Muhlis, Syaiful
Invoice : Jurnal Ilmu Akuntansi Vol. 7 No. 1 (2025): Maret 2025
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Islamic finance institutions (IFIs) are bound by principles that extend beyond profit-making; they must ensure accountability to Allah SWT in their operations. These institutions are required to adhere strictly to Sharia standards, which guide their governance and systems. This study aims to examine the implementation of systems and governance in IFIs in Indonesia. A descriptive qualitative approach, utilizing library research, was employed to explore this subject. The findings reveal that the primary goal of the Islamic financial system is to redistribute wealth, facilitating the transfer of funds from savers to borrowers in need, thereby promoting economic growth and enhancing social welfare. Shariah governance (SG) is a unique framework that ensures compliance with Islamic laws, akin to the historical concept of hisbah. Effective governance is essential for the success of Islamic finance institutions, ensuring that they operate in accordance with Sharia principles. This study underscores the significance of SG in regulating these institutions, highlighting the role of the Sharia Supervisory Board (SSB) in maintaining Sharia compliance. Furthermore, regulatory frameworks in Indonesia, including laws and guidelines from the National Shariah Board (DSN), ensure that IFIs adhere to these standards, thereby reinforcing their commitment to Islamic ethics and promoting trust within the community
Co-Authors Arviana, Pipi Kurniadi Kurniadi, Kurniadi Lince Bulutoding Mu'min, Muh. Dian Nur Alim Nurwijayanti Rukmanasari, Ita Samsidar Samsidar