Article Per Year (5 Year)
p-Index From 2020 - 2025
0.23
P-Index
This Author published in this journals
All Journal Shar-E: Jurnal Kajian Ekonomi Hukum Syariah
Parmatasari, Rika Dwi Ayu
Unknown Affiliation
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Tantangan dan Peluang Lembaga Keuangan Syariah: Kajian Literatur Kartika; Majid, Jamaluddin; Parmatasari, Rika Dwi Ayu
Shar-E : Jurnal Kajian Ekonomi Hukum Syariah Vol. 11 No. 1 (2025): Shar-E: Jurnal Kajian Ekonomi Hukum Syariah
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/shar-e.v11i1.3911

Abstract

This study aims to analyze the concepts, principles, implementation, as well as the challenges and opportunities of Islamic Financial Institutions (IFIs) in Indonesia through a qualitative literature review method. The findings show that IFIs—including Islamic banks, Islamic insurance, Islamic cooperatives, Islamic pawnshops, and Islamic finance companies—have grown significantly and contributed to the economy, particularly in financing the real sector and empowering micro, small, and medium enterprises (MSMEs). This development is supported by regulations, fatwas issued by the National Sharia Council–Indonesian Ulema Council (DSN-MUI), and the increasing public awareness of Sharia-based finance. Nevertheless, IFIs still face challenges such as low Sharia financial literacy, limited product variety, and the need for consistent Sharia compliance. On the other hand, there are substantial opportunities through product innovation, government support, and digitalization, which can enhance financial inclusion and expand service reach. Therefore, strengthening literacy, ensuring consistent Sharia compliance, and utilizing digital technology are crucial strategies to reinforce the role of IFIs in establishing a just, ethical, and sustainable financial system.
Co-Authors Jamaluddin Majid Kartika