Wadiah: Jurnal Perbankan Syariah
Vol. 10 No. 1 (2026): Wadiah: Jurnal Perbankan Syariah

Market Share Perbankan Syariah Di Indonesia : Analisis SWOT dan Strategi Pengembangan

Heri Kuncoro Putro (Universitas Al Hikmah Indonesia)
Ahmad Syakur (UIN Syekh Wasil Kediri)
Moh. Agus Sifa (Universitas Al Hikmah Indonesia)



Article Info

Publish Date
31 Jan 2026

Abstract

Sharia banking has been a significant influence on the Indonesian economy since 1992, but its growth remains very slow. This requires in-depth analysis to address these challenges. This study aims to determine the opportunities for market share development in Sharia banking in Indonesia through a SWOT analysis. The research method employed a descriptive qualitative approach, with data collected through case studies, literature reviews, observations, and interviews with relevant stakeholders. The results of this study examine four SWOT elements: five Strengths, five Weaknesses, four Opportunities, and four Threats, from Sharia banking business operations. The first market share development strategy, Strength–Opportunity (SO), yields three strategic points; the second, Weakness–Opportunity (WO), yields four strategic points; the third, Strength–Threat (ST), yields three strategic points; and the fourth, Weakness–Threat (WT), yields three strategic points. The implications of this research are to provide input on the market share development strategy of the Bojonegoro branch of Bank Syariah, strengthen Islamic financial literacy, and support the implementation of the roadmap for the development and strengthening of Indonesian Islamic banking 2023-2027. Keywords: Syariah Banking, SWOT Analysis, Marketshare

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Journal Info

Abbrev

wadiah

Publisher

Subject

Description

Wadiah: Jurnal Perbankan Syariah is an research journal in the scope of Islamic Banking published by Fakultas Ekonomi dan Bisnis Islam, UIN Syekh Wasil Kediri. This academic journal serves as a platform for scholarly discussions in Islamic banking studies, following a rigorous peer-review process. ...