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All Journal Jurnal Ekonomi Syariah dan Bisnis MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Elinda Nur Hasanah
Universitas Islam Negeri Sultan Maulana Hasanuddin Banten
Economics, Econometrics & Finance Social Sciences

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Analisis Kepatuhan Syariah pada Perbankan Syariah Digital dalam Perspektif Literatur Dino Baggio Listiyanto; Muhamad Solahudin; Pika Amalia; Elinda Nur Hasanah; Suci Aulia
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 2 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/muqaddimah.v4i2.1959

Abstract

This study aims to analyze the literature on sharia compliance in Islamic digital banking. It employs a qualitative approach using a literature review method, with data collected from books, academic journals, and regulations issued by the Financial Services Authority (OJK) and the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). The results show that digital transformation in Islamic banking provides significant benefits, including improved operational efficiency, wider service accessibility, and enhanced financial inclusion. However, the implementation of digital banking services must strictly adhere to sharia principles, such as the prohibition of riba, gharar, and maysir, while ensuring transparency and consumer protection. The study also highlights several challenges, including limited customer understanding of digital contracts, potential lack of system transparency, data security and privacy risks, and the shortage of qualified human resources in both sharia and technology fields. In addition, regulatory frameworks and supervisory mechanisms need to be more adaptive to rapid technological advancements. Strengthening sharia governance, improving human resource capacity through continuous training, and enhancing collaboration among regulators, fatwa institutions, and internal supervisory bodies are essential to support the sustainable development of Islamic digital banking.
Peran ALCO dalam Optimalisasi ALMA pada Perbankan Syariah Elinda Nur Hasanah; Dino Baggio Listiiyanto; Yani Aguspriyani
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 9 No. 1 (2026)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v9i1.18208

Abstract

Abstract: This study investigates the strategic role of the Asset Liability Committee (ALCO) in optimizing Asset Liability Management (ALMA) in Islamic banking. The increasing complexity of asset and liability management, which demands not only financial balance but also compliance with Islamic principles, led to the selection of this topic. This study uses a qualitative approach with a descriptive method through literature review. Annual reports, financial statements, risk management reports, and related scientific literature constitute secondary data. Analysis was conducted using the Miles and Huberman model, as well as content analysis. According to the research results, ALCO functions as a strategic decision-making center that combines the tasks of risk management, finance, financing, and Islamic compliance. In addition, good governance, a sound information system, and data transparency influence ALCO performance. ALCO must balance profitability with Islamic compliance. According to this study, ALMA optimization is highly dependent on the ALCO's strategic, integrative, and normative roles in supporting the stability and sustainability of Islamic banking.
Co-Authors Dino Baggio Listiiyanto Dino Baggio Listiyanto Muhamad Solahudin Pika Amalia Suci Aulia Yani Aguspriyani