Journal of Financial and Business
Vol 1 No 2 (2025)

Liquidity Risk Management in Islamic Banks in The Digital Era

Andini, Bunga (Unknown)
Rizki, Syafnur Muhammad (Unknown)
Sudirman, Wahyu Febri Ramadhan (Unknown)



Article Info

Publish Date
31 Jan 2025

Abstract

This study discusses liquidity risk management in Islamic banks in the digital era, focusing on strategies implemented to maintain financial stability amidst technological developments. Digital transformation in the banking industry brings opportunities and challenges, including increasing service efficiency and more complex liquidity risks due to changes in transaction patterns and customer preferences. This study uses a quantitative approach with secondary data analysis from Islamic bank financial reports and relevant liquidity indicators. The results of the study indicate that the application of financial technology (fintech) and digital-based risk management strategies can improve the liquidity resilience of Islamic banks. In addition, the optimization of Islamic financial instruments, such as Sukuk and Sharia-based interbank markets, is a key factor in maintaining liquidity balance. Thus, this study provides insight for Islamic banking regulators and practitioners in designing policies that are adaptive to digital changes to strengthen the resilience of the Islamic banking sector.

Copyrights © 2025






Journal Info

Abbrev

jfb

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Journal of Financial and Business: is published by the Global Sustainability Research Institute to help academics, researchers, and practitioners disseminate their research results. JFB is a blind peer-reviewed journal dedicated to publishing quality research results in the fields of business and ...