Transformasi Perbankan dan Lembaga Keuangan di Indonesia: Sinergi Konvensional, Syariah, dan Non-Bank dalam Mewujudkan Keadilan Distributif di Era Digital

Achmarul Fajar (Fakultas Ekonomi dan Bisnis, Universitas Madura)
Diana Afriliana (Fakultas Ekonomi dan Bisnis, Universitas Madura)
Nur Laili (Fakultas Ekonomi dan Bisnis, Universitas Madura)
Nurmalina Anastasya (Fakultas Ekonomi dan Bisnis, Universitas Madura)

Jurnal Riset Multidisiplin Edukasi
Vol. 3 No. 7 (2026): Jurnal Riset Multidisiplin Edukasi (Juli 2026)

This study aims to analyze the role of conventional banking, Islamic banking, and non-bank financial institutions in supporting Indonesia's economic development, particularly in the context of distributive justice and digital transformation. This research employs a literature review approach by examining regulations, academic journals, and industry reports. The findings reveal that Islamic banks are oriented towards justice and falah principles, conventional banks are profit-oriented through interest-based systems, while non-bank financial institutions expand financial access through insurance, cooperatives, capital markets, and fintech. The synergy of these three institutions, supported by the Financial Services Authority (OJK), is crucial in realizing an inclusive, fair, and sustainable financial system.