Analisis Dampak Perkembangan Perbankan Syariah Terhadap Stabilitas Keuangan di Indonesia
Abstract
Abstract: Write an abstract of maximum 200 words. This document is a guide format for writers to write papers that are ready to be published in a journal. The authors must follow the instructions given in this guide. You can use this document both as a writing guide and as a template where you can type your own text. This study aims to analyze the impact of the development of Islamic banking on financial stability in Indonesia through a Systematic Literature Review (SLR) approach, examining literature indexed in Google Scholar, Scopus, and DOAJ for the period 2013-2023. The findings indicate that Islamic banking in Indonesia has experienced significant growth through various innovative strategies and technological adaptations. Key measures undertaken include the development of digital financial products, investments in Islamic financial technology, enhancement of competitiveness, and human resource development. Consistency in the application of Sharia principles, support for Micro, Small, and Medium Enterprises (MSMEs), and the implementation of Good Corporate Governance have proven effective in maintaining credibility and customer trust. Moreover, the synergy between Islamic financial institutions and the government plays a crucial role in creating a conducive environment for the growth of Islamic banking. This study concludes that the development of Islamic banking not only contributes to national financial stability but also enhances financial inclusion and supports sustainable economic development in Indonesia.
Abstrak: Penelitian ini bertujuan untuk menganalisis dampak perkembangan perbankan syariah terhadap stabilitas keuangan di Indonesia melalui pendekatan Systematic Literature Review (SLR) dengan mengkaji literatur yang terindeks di Google Scholar, Scopus, dan DOAJ pada periode 2013-2023. Hasil kajian menunjukkan bahwa perbankan syariah di Indonesia telah mengalami perkembangan yang signifikan melalui berbagai strategi inovatif dan adaptasi teknologi. Langkah-langkah kunci yang diambil mencakup pengembangan produk keuangan digital, investasi dalam teknologi keuangan Islam, peningkatan daya saing, serta pengembangan sumber daya manusia. Konsistensi dalam penerapan prinsip-prinsip syariah, dukungan terhadap Usaha Mikro, Kecil, dan Menengah (UMKM), serta penerapan tata kelola perusahaan yang baik (Good Corporate Governance) terbukti efektif dalam menjaga kredibilitas dan kepercayaan nasabah. Selain itu, sinergi antara lembaga keuangan Islam dan pemerintah berperan penting dalam menciptakan lingkungan yang kondusif bagi pertumbuhan perbankan syariah. Penelitian ini menyimpulkan bahwa perkembangan perbankan syariah tidak hanya berkontribusi terhadap stabilitas keuangan nasional, tetapi juga meningkatkan inklusi keuangan dan mendukung pembangunan ekonomi yang berkelanjutan di Indonesia.
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