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STRATEGI ADAPTIF PERBANKAN SYARIAH MENGHADAPI KETIDAKSTABILAN EKONOMI GLOBAL PASCA KRISIS Nurulhikmahiswa; Nur hishaly
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 11 (2025): Sipakainge Edisi Khusus:Perbankan (November)
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/sipakainge.v3i7.14136

Abstract

study aims to analyze the adaptive strategies implemented by Islamic banking institutions in response to global economic instability following financial crises. Utilizing a systematic literature review (SLR) method, the research identifies strategic initiatives rooted in Sharia principles, emphasizing the role of Sharia Supervisory Boards, internal Sharia compliance, product innovation, and the empowerment of the real sector through financing for MSMEs and agriculture. These strategies align with the ethical and social justice values of Islamic economics, such as fairness, balance, and mutual benefit. The study finds that effective Sharia governance, particularly through internal review mechanisms, significantly contributes to operational resilience and risk mitigation. It concludes that Islamic banks, while not immune to macroeconomic disruptions, can enhance their financial performance an social impact through adaptive, Sharia-compliant strategic approaches