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Journal of Sharia Economy and Islamic Tourism
Published by Universitas Muhammadiyah Mataram
ISSN : -     EISSN : 2797913X     DOI : https://doi.org/10.31764/jseit
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Sharia Economy and Islamic Tourism is a journal that publishes scientific articles on the results of studies or researches and literature studies in the scope and focus of Sharia Economy and Islamic Tourism. Editors receive articles that have not been published in other journals/media. The journal was founded in 2020, published twice a year, in March and September. The purpose of this journal is for the publication of scientific articles covering studies within the scope of Sharia Economy and Islamic Tourism, such as: Philosophy of Sharia Economics; Sharia Economic Thought; Sharia and Contemporary Economic Issues; Contemporary issues in Islamic Financial Institutions; Sharia Management; Sharia Accounting; Aspects of Law in Sharia Economy; Halal Tourism Planning; Halal Tourism Management; Halal Destinations; and Traveling.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 66 Documents
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Pengaruh Tanggung Jawab Lingkungan pada Limbah Cair Perusahaan FMCG terhadap Tingkat Profitabilitas Perusahaan Melalui Return on Asset dan Earning Power Azzat, Fadhlan Rafi; Tampubolon, Lamtiur H.; Prasadja, Heru
Journal of Sharia Economy and Islamic Tourism Vol 5, No 2 (2025): Maret
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v5i2.20747

Abstract

Abstract: The disposal of industrial waste is a major cause of river pollution. Industries often discharge their liquid waste into rivers without adequate treatment. The massive waste production in this country requires more space and the development of technology dedicated to solving industrial waste problems, thus creating business practices that support a circular economy. Therefore, the aim of this research is to determine the influence of environmental responsibility on the liquid waste of FMCG companies on the company's profitability level. This study uses secondary data obtained from the annual reports of 5 FMCG companies for the period 2020-2023 listed on the Indonesia Stock Exchange, and the Corporate Social Responsibility Index (CSRI) based on GRI. The objects of the research or variables in this study include corporate responsibility or CSR (Corporate Social Responsibility) towards liquid waste determined through environmental subcategories, namely water (CSRI1) and effluents & waste (CSRI2) as independent variables. Meanwhile, the dependent variables in this study include the company's profitability level projected through ROA (Return On Asset) and earning power. The collected data is then subjected to statistical testing with normality tests, and the probability values of the variables are found to be greater than 5% (Sig. > 0.05), indicating that the data is normally distributed. In addition, the multicollinearity test shows that the coefficient between independent variables is ≤ 0.80, so it can be concluded that multicollinearity does not occur. Hypothesis testing in this study uses the multivariate regression analysis method. The results of the research, following all procedures, show significance levels less than alpha 5%. This means that CSRI1 and CSRI2 together show a significant influence on ROA and earning power.Abstrak: Pembuangan limbah industri menjadi penyebab utama tercemarnya sungai. Industri seringkali membuang limbah cairnya ke sungai tanpa pengolahan yang memadai. Produksi limbah yang sangat besar di negara ini memerlukan lebih banyak lagi ruang dan pengembangan teknologi yang didedikasikan untuk menyelesaikan permasalahan limbah industri sehingga menciptakan praktek bisnis yang mendukung ekonomi sirkular. Sehingga, tujuan dari penelitian ini adalah untuk mengetahui pengaruh tanggung jawab lingkungan pada limbah cair perusahaan FMCG terhadap tingkat profitabilitas perusahaan. Penelitian ini menggunakan data sekunder yang diperoleh dari laporan tahunan 5 perusahaan FMCG periode 2020 – 2023 yang terdaftar di Bursa Efek Indonesia, dan Corporate Social Responsibility Index (CSRI) berdasarkan GRI. Objek penelitian atau variabel pada penelitian ini diantaranya tanggung jawab perusahaan atau CSR (Corporate Social Responsibility) terhadap limbah cair yang ditentukan lewat subkategori lingkungan yakni air (CSRI1) dan efluen & limbah (CSRI2) sebagai variabel independen. Sementara, variabel dependen pada penelitian ini diantaranya tingkat profitabilitas perusahaan yang diproyeksikan melalui ROA (Return On Asset) dan earning power. Data yang sudah terkumpul kemudian dilakukan pengujian statistic dengan uji normalitas dan diperoleh nilai probabilitas variabel memiliki nilai lebih dari 5% (Sig. > 0,05) ini berarti data terdistribusi normal. Selain itu, uji multikolenieritas menunjukan besaran koefisien antar variabel bebas bernilai ≤ 0,80 Sehingga dapat disimpulkan tidak terjadi multikolenieritas. Uji hipotesis dalam penelitian ini menggunakan metode analisis regresi multivariat. Hasil dari penelitian yang dilakukan semua prosedur menunjukkan angka signifikasi kurang dari alfa 5%. Hal ini berarti CSRI1 dan CSRI2 secara bersama – sama menunjukkan adanya pengaruh yang nyata terhadap ROA dan earning power.
Pengaruh Lingkungan Kerja Dan Disiplin Kerja Terhadap Kinerja Pegawai Badan Pengelolaan Pendapatan Daerah Kabupaten Lombok Tengah Aprilia Nadia, Baiq Mega; Nasir, Mahyuddin
Journal of Sharia Economy and Islamic Tourism Vol 3, No 1 (2022): September
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v3i1.13060

Abstract

AbstractThis study aims to determine the effect of the work environment and work discipline on the performance of employees of the Regional Revenue Management Agency of Central Lombok Regency. The type of research used is causal associative research. This study uses a sample determination technique with the proportional stratified random sampling method (proportional random sample), the sampling is done randomly by giving a set of questions or a written statement to each respondent to answered the number of respondents in this study amounted to 53 people. The analysis technique used is Multiple Linear Analysis using SPSS version 25. The results of the analysis show that: 1. The work environment has a positive and significant effect on the performance of employees of the Regional Revenue Management Agency of Central Lombok Regency. 2. Work discipline has a positive and significant effect on the performance of employees of the Regional Revenue Management Agency of Central Lombok Regency. It is hoped that the Regional Revenue Management Agency of Central Lombok Regency will continue to pay attention to the employee's work environment so that employees feel comfortable at work so that they can improve employee performance.ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh lingkungan kerja dan disiplin kerja terhadap kinerja pegawai Badan Pengelolaan Pendapatan Daerah Kabupaten Lombok Tengah.Jenis penelitian yang digunakan adalah penelitian asosiatif kausal. Penelitian ini menggunakan Teknik penentuan sampel dengan metode proporsinal stratified random sampling (sample acak proporsional), pengambilan sampel dilakukan secara acak dengan memberikan seperangkat pertanyaan atau pernyataan tertulis kepada tiap-tiap respoden untuk dijawabnya jumlah responden dalam penelitian ini berjumlah 53 orang.Teknik analisis yang digunakan adalah Analisis Linier Berganda dengan menggunakan SPSS versi 25. Hasil analisis menunjukkan bahwa : 1.Lingkungan kerja berpengaruh positif dan signifikan terhadap kinerja pegawai Badan  Pengelolaan Pendapatan Daerah Kabupaten Lombok Tengah. 2. Disiplin kerja berpengaruh positif dan signifikan terhadap kinerja pegawai Badan Pengelolaan Pendapatan Daerah Kabupaten Lombok Tengah. Diharapkan pihak Badan Pengelolaan Pendapatan Daerah Kabupaten Lombok Tengah tetap memperhatikan lingkungan kerja pegawai  agar karyawan merasa nyaman dalam bekerja sehingga dapat meningkatkan kinerja pegawai.
Strategi Pemerintah Desa dalam Pengembangan Kerajinan Gerabah di Kabupaten Lombok Barat Rizki, Darlin; Addiny, Rizqi Ridha
Journal of Sharia Economy and Islamic Tourism Vol 3, No 2 (2023): Maret
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v3i2.28080

Abstract

Abstract: Pottery crafts are generally handicrafts made from clay which are then shaped according to one's own wishes. Currently, pottery has developed rapidly. The form is no longer just limited to household equipment, but also as home decoration. This research discusses pottery crafts in Banyumulek Village, namely the Village government's strategy in developing and marketing pottery crafts. This research uses qualitative research. The data collection methods used are observation, interviews and documentation methods. From the findings, pottery crafts in Banyumulek Village have existed for a long time and still exist today. Pottery crafts in Banyumulek Village have begun to develop and have been marketed to various regions and even abroad. Not only as a source of livelihood and economic value, pottery for the people of Banyumulek Village is a social and cultural identity that has been passed down from generation to generation ancestors. The process of making pottery is one of the media social integration in society, because in the making Pottery is done through several stages of workmanship and requires relatively a lot of labor, this can be done bind community solidarity between communities.Abstrak: Kerajinan gerabah pada umunya adalah sebuah kerajinan tangan dari tanah liat yang kemudian dibentuk sesuai dengan keinginan sendiri. Saat ini gerabah sudah berkembang pesat. Bentuknya tidak lagi hanya sebatas peralatan rumah tangga saja, tapi juga sebagai hiasan rumah. Penelitian ini membahas mengenai kerajinan gerabah di Desa Banyumulek, yaitu strategi pemerintah Desa dalam mengembangakan dan memasarkan kerajinan kerajinan gerabah. Penelitian ini menggunakan penelitian kualitatif. Metode pengumpulan data yang digunakan adalah metode observasi, wawancara dan dokumentasi. Dari hasil temuan bahwa, kerajinan gerabah di Desa Banyumulek sudah ada sejak dahulu dan masih sampai sekarang. Kerajinan gerabah di Desa Banyumulek sudah mulai berkembang dan sudah dipasarkan ke berbagai daerah bahkan sampai luar negeri. Tidak hanya sebagai sumber mata pencaharian dan bernilai ekonomi, gerabah bagi masyarakat Desa Banyumulek merupakan indentitas sosial dan budaya yang turun temurun dari leluhur. Proses pembuatan gerabah merupakan salah satu media integrasi sosial dalam masyarakat, karena dalam pembuatan gerabah dilakukan melalui beberapa tahap pengerjaan dan membutuhkan tenaga kerja yang relatif banyak, hal ini dapat mengikat solidaritas komunitas antar masyarakat. 
Pengaruh Café atmosphere, Harga dan Lokasi terhadap Keputusan Pembelian di Nyaman Coffe Shop Kota Mataram Muhammad Ghazy Khariza Falah; Akhmad Saufi; Dwi Putra Buana Sakti
Journal of Sharia Economy and Islamic Tourism Vol 2, No 2 (2022): Maret
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v2i2.8347

Abstract

Abstract: This study aims to dertiminate the effect of cafe atmosphere, price and location on puschasing decisions for product Nyaman Coffee shop. This research was counducted in the city of Mataram with a population of people who are buying drinks at a Nyaman coffee shop.The data collection method used was a survey sample with a sampling technique using purposive sampling. Data collection techniques using a questionnaire with data collection tools ysing a questionnaire thas has been tested for validity and reliability. The result of this study indicate that the cafe atmosphere, price and location has a positive and significant impact effect on purchasing decisions for Nyaman coffe shop Products. Abstrak: Penelitian ini bertujuan untuk mengetahui pengaruh cafe atmosphere,harga dan lokasi terhadap keputusan pembelian produk Nyaman Coffee Shop. Penelitian ini dilakukan di Kota Mataram dengan populasi yaitu orang yang sedang membeli minuman di Nyaman coffee shop . Metode pengumpulan data yang dilakukan adalah sampe survei dengan teknik pengambilan sampeL menggunakan purposive sampling. Teknik pengumpulan data menggunakan angket dengan alat pengumpulan daya menggunakan kuesioner yang telah diuji validitas dan reliabilitasnya. Hasil penelitian ini menunjukkan bahwa cafe atmosphere, harga dan lokasi berpengaruh positif dan signifikan terhadap keputisan pembelian produk Nyaman coffee shop
Peran Pemerintah Mendukung Pengembangan Sport Tourism: Studi Literatur Review Nabila, Khairan Nabila; Prayuda, Ade; Fahruzi1, Arfan Dwi
Journal of Sharia Economy and Islamic Tourism Vol 5, No 1 (2024): September
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v5i1.27943

Abstract

Abstract: This research aims to increase the attractiveness of the local economy through the promotion and development of sports as part of the tourism industry. The government has an important role in supporting the development of sports tourism as part of an economic and social development strategy. The research method used is Literature Study, literature study is a method collecting data by searching for and reading existing written sources such as books or literature that explain the theoretical basis, as well as collecting data and information by exploring knowledge or knowledge from sources such as books, written works, and several other sources that has something to do with the research object. The results of the government's role in supporting sport tourism developers show that sport tourism can be an effective strategy for increasing the attractiveness of the local economy, encouraging social development, and strengthening cultural identity. With support from the government, private sector and local communities, sport tourism can become an important sector in tourism development in Indonesia.Abstrak: Penelitian ini bertujuan untuk meningkatkan daya Tarik ekonomi lokal melalui promosi dan pengembangan olahraga sebagai bagian dari industri pariwisata.Pemerintah memiliki peran penting dalam mendukung pengembangan sport tourism sebagai bagian dari strategi pembangunan ekonomi dan sosial.Metode penelitian yang digunakan ialah Studi literatur review,studi literatur review merupakan metode pengumpulan data dengan cara mencari dan membaca sumber-sumber tertulis yang ada seperti buku atau literatur yang menjelaskan tentang landasan teori,Sama halnya dengan pengumpulan data dan informasi dengan cara menggali pengetahuan atau ilmu dari sumber sumber seperti buku, karya tulis, serta beberapa sumber lainnya yang ada hubungannya dengan objek penelitian.Hasil dari peran pemerintah dalam mendukung pengembang sport tourism menunjukkan bahwa Sport tourism dapat menjadi strategi yang efektif untuk meningkatkan daya tarik ekonomi lokal, mendorong pembangunan sosial, dan memperkuat identitas budaya. Dengan dukungan pemerintah, sektor swasta, dan masyarakat lokal, sport tourism dapat menjadi salah satu sektor penting dalam pembangunan pariwisata di Indonesia.
Exploitation Of Sabbe Sarong In West Nusa Tenggara In Triggering The Economy During The Pandemic Dewi, Novi Yanti Sandra; dina, Mel; Sulaiman, Jayyyid; Arsyad, Sulaiman
Journal of Sharia Economy and Islamic Tourism Vol 1, No 2 (2021): Maret
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v1i2.8281

Abstract

Abstract: Sabbe sarong is a typical weaving of bugis tribe that has long lived and developed until it is known as a typical handicraft of Tanjung Luar. Because it has been attached and become their trademark, usually this sarong is used instead of a hood. Which, they usually make this sarong in their spare time while waiting for their husbands to go back to sea. However, after this pandemic comes will certainly have an impact on the main livelihood of the people of Tanjung Luar as a fisherman. Therefore, if an action is taken that will have a positive impact on human resources and the region, it will definitely benefit all parties. Therefore, the role of Sabbe Sarong needs to be developed so that regional MSMEs can be applied even in this Pandemic condition. The purpose of this study is to examine more deeply about the exploitation of sabbe holsters in West Lombok so as to improve the economy of the people of the pendemi period, with the method used is qualitative method.Abstrak: Sarung Sabbe merupakan tenunan khas suku bugis yang telah lama hidup dan berkembang hingga dikenal sebagai kerajinan khas Tanjung Luar. Karena telah melekat dan menjadi ciri khas mereka, biasanya sarung ini digunakan sebagai pengganti tudung kepala.Yang mana, mereka biasanya membuat sarung ini di waktu senggang sambil menunggu suami mereka balik melaut. Akan tetapi, setelah pandemi ini datang tentu akan berdampak pada mata pencaharian utama penduduk Tanjung Luar sebagai seorang Nelayan. Untuk itu, jika dilakukan suatu tindakan yang akan berdampak positif terhadap Sumber Daya Manusia dan daerah, pasti akan menguntungkan segala pihak. Oleh sebab itu, peranan Sarung Sabbe ini perlu dikembangkan sehingga  UMKM  daerah  dapat  terapkan  walaupun  dalam  kondisi Pandemi ini. Tujuan dari penelitian ini adalah untuk mengkaji lebih Abstract: Sabbe sarong is a typical weaving of bugis tribe that has long lived and developed until it is known as a typical handicraft of Tanjung Luar. Because it has been attached and become their trademark, usually this sarong is used instead of a hood. Which, they usually make this sarong in their spare time while waiting for their husbands to go back to sea. However, after this pandemic comes will certainly have an impact on the main livelihood of the people of Tanjung Luar as a fisherman. Therefore, if an action is taken that will have a positive impact on human resources and the region, it will definitely benefit all parties. Therefore, the role of Sabbe Sarong needs to be developed so that regional MSMEs can be applied even in this Pandemic condition. The purpose of this study is to examine more deeply about the exploitation of sabbe holsters in West Lombok so as to improve the economy of the people of the pendemi period, with the method used is qualitative method.Abstrak: Sarung Sabbe merupakan tenunan khas suku bugis yang telah lama hidup dan berkembang hingga dikenal sebagai kerajinan khas Tanjung Luar. Karena telah melekat dan menjadi ciri khas mereka, biasanya sarung ini digunakan sebagai pengganti tudung kepala.Yang mana, mereka biasanya membuat sarung ini di waktu senggang sambil menunggu suami mereka balik melaut. Akan tetapi, setelah pandemi ini datang tentu akan berdampak pada mata pencaharian utama penduduk Tanjung Luar sebagai seorang Nelayan. Untuk itu, jika dilakukan suatu tindakan yang akan berdampak positif terhadap Sumber Daya Manusia dan daerah, pasti akan menguntungkan segala pihak. Oleh sebab itu, peranan Sarung Sabbe ini perlu dikembangkan sehingga  UMKM  daerah  dapat  terapkan  walaupun  dalam  kondisi Pandemi ini. Tujuan dari penelitian ini adalah untuk mengkaji lebih
ANALISIS PERBANDINGAN KINERJA KEUANGAN PERUSAHAAN SEBELUM DAN SELAMA PANDEMI COVID-19 Hawari, Lilik Ayu; Burhanudin, H.
Journal of Sharia Economy and Islamic Tourism Vol 4, No 2 (2024): Maret
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v4i1.23106

Abstract

This research aims to determine the differences in company financial performance before and during the Covid-19 pandemic in food and beverage sub-sector manufacturing companies listed on the Indonesia Stock Exchange as measured by the financial ratios Liquidity (Current Ratio), Leverage (Debt Equity Ratio), Activity (Total Asset Turnover), Profitability (Return On Assets), and Market Ratio (Price Earning Ratio). The period used in this research is four years, starting from 2018-2021.Samples were taken using the purposive sampling method. The population in this research is all food and beverage sub-sector manufacturing companies listed on the Indonesia Stock Exchange for the 2018-2021 period. From a population of 30 manufacturing companies, 24 manufacturing companies were obtained as samples with an observation period of four years (2018-2021). The analytical tools used are descriptive statistical tests, data normality tests and different hypothesis tests, namely the paired sample t test and the Wilcoxon signed ranks test.Based on the results of data analysis, it was concluded that there were no significant differences in the company’s financial performance as measured by CR, DER, TATO, ROA and PER before and during the Covid-19 pandemic.
Digitalisasi Perbankan: Keberhasilan Implementasi Mobile Banking terhadap Kepuasan Nasabah Faisal, Melisa Trinanda
Journal of Sharia Economy and Islamic Tourism Vol 5, No 2 (2025): Maret
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v5i2.30782

Abstract

Abstract: This study examines the successful implementation of mobile banking in the era of banking digitalization and its effect on customer satisfaction. Using a qualitative approach with a literature review method, this study analyzes the transformation of the banking industry from a manual system to a digital platform. The results show that ease of use and usefulness are the main determinants of the successful implementation of mobile banking, which has a significant effect on customer satisfaction. Ease of use is measured through time efficiency, ability to make transactions, operational ease, and flexibility of use. While usefulness includes increased productivity, effectiveness, and performance in daily activities. Mobile banking is proven to provide time and cost efficiency because it is available 24 hours and can be accessed from anywhere as long as there is an internet network. The study concluded that customers who perceive the convenience and benefits of mobile banking services tend to have higher levels of satisfaction and will continue to use digital banking services from their bank of choice. The findings provide important implications for banking institutions in developing digitalization strategies that focus on increasing customer satisfaction.Abstrak: Penelitian ini mengkaji keberhasilan implementasi mobile banking dalam era digitalisasi perbankan dan pengaruhnya terhadap kepuasan nasabah. Menggunakan pendekatan kualitatif dengan metode kajian pustaka, studi ini menganalisis transformasi industri perbankan dari sistem manual ke platform digital. Hasil penelitian menunjukkan bahwa faktor kemudahan penggunaan (ease of use) dan kemanfaatan (usefulness) menjadi penentu utama keberhasilan implementasi mobile banking yang berpengaruh signifikan terhadap kepuasan nasabah. Kemudahan penggunaan diukur melalui efisiensi waktu, kemampuan melakukan transaksi, kemudahan operasional, dan fleksibilitas penggunaan. Sementara kemanfaatan mencakup peningkatan produktivitas, efektivitas, dan kinerja dalam aktivitas sehari-hari. Mobile banking terbukti memberikan efisiensi waktu dan biaya karena tersedia 24 jam dan dapat diakses dari mana saja selama terdapat jaringan internet. Penelitian menyimpulkan bahwa nasabah yang merasakan kemudahan dan manfaat dari layanan mobile banking cenderung memiliki tingkat kepuasan yang lebih tinggi dan akan terus menggunakan layanan perbankan digital dari bank pilihan mereka. Temuan ini memberikan implikasi penting bagi institusi perbankan dalam mengembangkan strategi digitalisasi berfokus pada peningkatan kepuasan nasabah.
Peran Literasi Keuangan Islam dalam Adopsi Layanan Keuangan Digital: Analisis Bibliometrik dan Tinjauan Literatur Indri, Indri; Agustina, Ahadiah; Hidayanti, Nur Fitri; Ariani, Zaenafi; Hulaimi, Ahmad; Dewi, Novi Yanti Sandra
Journal of Sharia Economy and Islamic Tourism Vol 5, No 2 (2025): Maret
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v5i2.30783

Abstract

Abstract: This study aims to examine the role of Islamic financial literacy in encouraging the adoption of digital financial services through a library research approach with an integrative review method. This review synthesizes findings from various scholarly articles published between 2015 and 2024 and obtained from trusted databases such as Google Scholar, Scopus, DOAJ, and Scispace. Strict inclusion and exclusion criteria were applied to ensure the relevance and quality of the sources. The analysis shows that Islamic financial literacy plays an important role in shaping trust and encouraging the use of sharia-based digital financial services. The understanding of sharia principles such as the prohibition of usury, fairness and transparency is a crucial factor in the adoption process. However, the study also found literacy gaps and limited access to education in some regions. This study highlights the importance of strengthening Islamic financial literacy as a foundation for the development of an inclusive and sustainable Islamic digital finance ecosystem. The findings provide practical implications for regulators, service providers and stakeholders in designing educational strategies and policies based on Islamic values.Abstrak: Penelitian ini bertujuan untuk mengkaji peran literasi keuangan Islam dalam mendorong adopsi layanan keuangan digital melalui pendekatan library research dengan metode integrative review. Kajian ini menyintesis temuan dari berbagai artikel ilmiah yang dipublikasikan antara tahun 2015 hingga 2024 dan diperoleh dari basis data terpercaya seperti Google Scholar, Scopus, DOAJ, dan Scispace. Kriteria inklusi dan eksklusi diterapkan secara ketat untuk memastikan relevansi dan kualitas sumber. Hasil analisis menunjukkan bahwa literasi keuangan Islam berperan penting dalam membentuk kepercayaan serta mendorong penggunaan layanan keuangan digital berbasis syariah. Pemahaman terhadap prinsip syariah seperti larangan riba, keadilan, dan transparansi menjadi faktor krusial dalam proses adopsi tersebut. Namun, kajian juga menemukan adanya kesenjangan literasi dan keterbatasan akses edukasi di sejumlah wilayah. Studi ini menyoroti pentingnya penguatan literasi keuangan Islam sebagai fondasi bagi pengembangan ekosistem keuangan digital syariah yang inklusif dan berkelanjutan. Temuan ini memberikan implikasi praktis bagi regulator, penyedia layanan, dan pemangku kepentingan dalam merancang strategi edukatif dan kebijakan berbasis nilai-nilai syariah.
Transformasi Digital Bank Syariah di Era Teknologi: Perkembangan, Tantangan dan Peluang Menuju Pertumbuhan Berkelanjutan Lestari, Putri Ayu
Journal of Sharia Economy and Islamic Tourism Vol 5, No 2 (2025): Maret
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v5i2.30779

Abstract

Abstract: This research examines the digital transformation of Islamic banking in the context of technological development. Using a qualitative methodology based on literature review from various scientific sources, this study shows that Islamic banks have undergone significant evolution from conventional systems based on physical interaction to digital services through mobile banking, internet banking, and Islamic fintech. This development is supported by regulations such as Law No. 10/1998 and Law No. 23/1999, which provide the legal foundation for the existence of Islamic banking. OJK data shows improved performance of Islamic banking with a total of 14 Islamic commercial banks and 1,987 branch offices as of December 2024, as well as asset growth from IDR 594,709 billion (2023) to IDR 664,611 billion (2024). The main challenges faced include the need for quality human resource development, strengthening cyber security, consumer protection, and addressing financial literacy gaps. Opportunities that can be leveraged include Indonesia's demographics dominated by internet users and tech-savvy young generations, ease of digital product promotion, and development of innovative products that address community needs. In conclusion, Islamic banks need to leverage the momentum of digitalization while maintaining sharia principles to achieve sustainable growth.Abstrak: Penelitian ini mengkaji transformasi digital perbankan syariah dalam konteks perkembangan teknologi. Menggunakan metodologi kualitatif berbasis penelusuran pustaka dari beragam sumber ilmiah, studi ini menunjukkan bahwa bank syariah telah mengalami evolusi signifikan dari sistem konvensional berbasis interaksi fisik menjadi layanan digital melalui mobile banking, internet banking, dan fintech syariah. Perkembangan ini didukung oleh regulasi seperti UU No. 10/1998 dan UU No. 23/1999 yang memberikan landasan hukum bagi eksistensi perbankan syariah. Data OJK menunjukkan peningkatan kinerja perbankan syariah dengan total 14 bank umum syariah dan 1.987 kantor cabang per Desember 2024, serta pertumbuhan aset dari Rp594,709 miliar (2023) menjadi Rp664,611 miliar (2024). Tantangan utama yang dihadapi meliputi kebutuhan pengembangan SDM berkualitas, penguatan keamanan siber, perlindungan konsumen, dan mengatasi kesenjangan literasi keuangan. Peluang yang dapat dimanfaatkan mencakup demografi Indonesia yang didominasi pengguna internet dan generasi muda yang akrab teknologi, kemudahan promosi produk secara digital, serta pengembangan produk inovatif yang menjawab kebutuhan masyarakat. Kesimpulannya, bank syariah perlu memanfaatkan momentum digitalisasi sambil mempertahankan prinsip-prinsip syariah untuk mencapai pertumbuhan berkelanjutan.

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