Urgensitas Bank Syari’ah dalam Proses Membumikan Nilai Islami pada Masyarakat Gresik

Sutono Sutono (Institut Al Azhar)
Alissa Qothrun Nada (Institut Al Azhar)

Optimal: Jurnal Ekonomi dan Manajemen
Vol. 6 No. 2 (2026): Juni: OPTIMAL: Jurnal Ekonomi dan Manajemen

This article discusses the urgency of Islamic banking in instilling Islamic values in Gresik Regency. Although the Gresik community is known for its religious nature, there is a significant gap between religious identity and financial practices, which often involve elements of usury (riba). This study aims to explore the role of Islamic banks as agents of change through education on economic ethics, empowerment of MSMEs, and cultural harmonization. The results indicate that low financial literacy and the dominance of conventional banks pose challenges to the internalization of Islamic values. Effective strategies, including cultural approaches and collaboration with religious leaders, are needed. To overcome these obstacles, Islamic banks are expected to become catalysts in creating a financially and spiritually strong economic order.