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All Journal Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan
Anti, Sarianti
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media

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profit-sharing scheme, mudharabah, musyarakah, digitalization, effectiveness, Islamic banking. Anti, Sarianti
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 6 (2025): Edisi Khusus Perbankan (Juni)
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/sipakainge.v3i1.14605

Abstract

The development of Islamic banking in the digital era presents both opportunities and challenges. Mudharabah and musyarakah contracts, which are based on profit and loss sharing, are ideal representations of Islamic economic principles such as justice, partnership, and transparency. However, their implementation has declined due to issues of trust, information asymmetry, and limited digital support. This study uses a Systematic Literature Review (SLR) approach to analyze 30 scientific articles published between 2013 and 2024 that discuss the effectiveness of profit-sharing schemes in Islamic banking amid digital transformation. The results show that while digitalization offers potential to improve transparency and efficiency through innovations like digital financial reporting and Sharia-compliant smart contracts, implementation remains limited due to infrastructure gaps, regulatory constraints, and low financial-digital literacy. Therefore, a collaborative effort is required among financial institutions, regulators, and users to integrate Sharia values into digital systems, enhance trust, and optimize the role of profit-sharing schemes in supporting inclusive Islamic finance.
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