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TSARWATICA (Islamic Economic, Accounting, and Management Journal)
Published by Sekolah Tinggi Ilmu Ekonomi Sutaatmadja
ISSN : 26858320     EISSN : 26858339     DOI : -
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
TSARWATICA (Islamic Economic, Accounting, and Management Journal) diterbitkan oleh Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM) Sekolah Tinggi Ilmu Ekonomi Sutaatmadja. Terbit dua kali dalam setahun (Februari dan Juli). Terbit perdana pada Juli 2019. Tujuan: 1) Menjadi media publikasi yang terpercaya dalam penyebarluasan ilmu syariah dalam bidang ekonomi, akuntansi dan manajemen. 2) Menjadi media dokumentasi pemikiran yang berbasis pada ilmu syariah dalam bidang ekonomi, akuntansi dan manajemen. 3) Menjadi media yang akan menunjang pengembangan keilmuan praktik ekonomi dan bisnis syariah. Setiap penerbitan minimal terdiri dari 5 judul artikel terkait rumpun ilmu syariah dalam bidang ekonomi, akuntansi dan manajemen.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 12 Documents
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Search results for , issue "Vol. 6 No. 2 (2025)" : 12 Documents clear
THE ROLE OF SHARIA BANK IN THE DEVELOPMENT OF THE ISLAMIC ECONOMY IN SOUTH SULAWESI Nurfadhila, Nurfadhila; Ramadani, Azizka; Fadil, Amirul Syam; Kamaruddin, Kamaruddin
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol. 6 No. 2 (2025)
Publisher : STIESA Press

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Abstract

Sharia banks play a very important role in the development of the Islamic economy, especially in areas where the majority of the population is Muslim, such as South Sulawesi. In this context, Islamic banks not only function as financial institutions, but also as drivers of economic growth based on fairsharia principles and in accordance with Islamic teachings. This article aims to analyze the role of Islamic banks in advancing the Islamic economy in South Sulawesi, with a focus on aspects of financing micro, small and medium enterprises (MSMEs), sharia investment, and their contribution to community welfare. Using a qualitative approach, this research explores various policies, practices and challenges faced by Islamic banks in developing a regional economy based on Islamic values.
LEVEL OF EFFECTIVENESS OF BANKING FINANCING PRODUCTS IN SOUTH SULAWESI COMPARATIVE STUDY OF SHARIA BANKING AND CONVENTIONAL BANKS Rahmadani, Aulia; Toon, Fadiah; Wansyah, Muh. Indra; Kamaruddin, Kamaruddin
TSARWATICA (Islamic Economic, Accounting, and Management Journal) Vol. 6 No. 2 (2025)
Publisher : STIESA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study evaluated the effectiveness of financing products provided by Islamic and conventional banks in South Sulawesi, focusing on customer growth, asset performance, and financing trends. Data from 2023 showed that Islamic banks recorded a customer growth rate of 5.85%, reaching 49.12 million customers, compared to 4.22% growth for conventional banks with 13.47 million customers. Islamic banks also demonstrated a significant increase in their total assets, from Rp771.29 trillion in February 2023 to Rp851.54 trillion in February 2024. Despite this growth, conventional banks remained dominant in terms of total financing, achieving Rp21.07 trillion, while Islamic banks reached Rp1.45 trillion but with a higher growth rate of 15.89%. The findings indicate that Islamic banking is gaining increasing trust and preference, particularly in regions with a high Muslim population, driven by innovative product offerings and enhanced operational efficiency. However, conventional banks continue to leverage their scale and established market presence. The results highlight the opportunities for Islamic banks to further improve their competitiveness by addressing service speed and expanding product diversity, while conventional banks may benefit from adopting strategies tailored to local market demands. This study underscores the potential for both banking systems to foster financial inclusivity and adapt to evolving consumer needs in South Sulawesi.

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