Ummul Qura : Jurnal Ilmiah Institut Pesantren Sunan Drajat (INSUD) Lamongan
Vol. 10 No. 2 (2026): Jurnal Ilmiah Institut Pesantren Sunan Drajat (INSUD) Lamongan

Analisis Resiliensi Lembaga Keuangan Syariah dalam Menghadapi Disrupsi Rantai Pasok Global: Perspektif Keterkaitan Sektor Riil dan Risiko Pembiayaan

Shofa Robbani (Universitas Nahdlatul Ulama Sunan Giri, Bojonegoro, Indonesia)
Qurotul Aini Salma Sasaria (Universitas Nahdlatul Ulama Sunan Giri, Bojonegoro, Indonesia)
Ilaina Tazkiroh (Universitas Nahdlatul Ulama Sunan Giri, Bojonegoro, Indonesia)
Eva Lathifah (Unknown)
Alaina Fadli (Universitas Nahdlatul Ulama Sunan Giri, Bojonegoro, Indonesia)



Article Info

Publish Date
20 Oct 2026

Abstract

Global supply chain disruptions driven by geopolitical conflicts, economic blocs, and protectionist policies pose challenges to the resilience of Islamic Financial Institutions (IFIs) through their effects on the real sector, particularly micro, small, and medium enterprises (MSMEs). This study aims to analyze how these disruptions are transmitted to IFIs through changes in business conditions, debtor repayment capacity, financing risk, and asset quality. It also examines IFI resilience in terms of risk anticipation, pressure management, and adaptation to economic changes. This study employs a qualitative approach using library research, drawing on scientific journal articles and official institutional reports published between 2021 and 2026. The data are analyzed using descriptive-analytical content analysis to synthesize the relationships among global supply chain disruptions, the real sector, financing risk, and IFI resilience. The findings indicate that rising logistics and production costs, raw material shortages, and distribution delays can weaken MSME production capacity and cash flow, potentially impairing debtors’ repayment capacity, increasing non-performing financing (NPF) risk, and deteriorating asset quality. The analysis further reveals that Islamic finance characteristics, including links to real economic activities, profit-and-loss-sharing mechanisms, and restrictions on speculative practices, may support resilience but do not eliminate exposure to external shocks. This study contributes an integrated analytical perspective by explaining the transmission of global supply chain shocks to IFI resilience through real-sector pressures and debtor repayment behavior. It concludes that IFI resilience is adaptive and context-dependent, requiring early risk monitoring, assessment of repayment capacity, portfolio diversification, and financing strategies responsive to changing economic conditions.

Copyrights © 2026






Journal Info

Abbrev

UQ

Publisher

Subject

Religion Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Physics

Description

ruang lingkup jurnal ummul qura menyambut makalah dari akademisi tentang teori filsafat paradigma konseptual penelitian akademik serta praktik keagamaan secara khusus makalah yang mempertimbangkan topik umum berikut diundang pendidikan agama Islam hukum Islam ekonomi dan bisnis Islam Kajian Al Qur ...