THE EFFECTIVENESS OF SHARIA FINANCING MODEL IN BANK SYARIAH INDONESIA: LITERATURE REVIEW PERSPECTIVE
This study aims to evaluate the effectiveness of the Islamic financing models implemented by Bank Syariah Indonesia (BSI) in supporting the development of micro, small, and medium enterprises (MSME). Islamic financing, using contracts such as mudharabah, musyarakah, and murabahah, is considered a fa...
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| Format: | Article |
| Language: | Indonesian |
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Fakultas Ekonomi dan Bisnis Islam
2025-06-01
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| Series: | I-Economics: A Research Journal on Islamic Economics |
| Online Access: | https://jurnal.radenfatah.ac.id/index.php/ieconomics/article/view/27916 |
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| author | Aldiyansah Destrian Isnaini Dewi Rusmiati |
| author_facet | Aldiyansah Destrian Isnaini Dewi Rusmiati |
| author_sort | Aldiyansah |
| collection | DOAJ |
| description | This study aims to evaluate the effectiveness of the Islamic financing models implemented by Bank Syariah Indonesia (BSI) in supporting the development of micro, small, and medium enterprises (MSME). Islamic financing, using contracts such as mudharabah, musyarakah, and murabahah, is considered a fairer alternative to conventional financing systems. This research identifies several challenges in the implementation of Islamic financing, including the low level of Islamic financial literacy among the public and the need for strengthened regulations and government policies. Additionally, the study highlights the positive impact of partnerships between BSI and MSME, particularly those based in pesantren, in promoting local economic growth and enhancing financial inclusion. The conclusion emphasizes the importance of collaboration between the government, academia, and the Islamic banking industry to address existing challenges and improve the effectiveness of Islamic financing in Indonesia. |
| format | Article |
| id | doaj-art-99b1482bb0d845528d1c824ea1f54397 |
| institution | DOAJ |
| issn | 2548-5601 2548-561X |
| language | Indonesian |
| publishDate | 2025-06-01 |
| publisher | Fakultas Ekonomi dan Bisnis Islam |
| record_format | Article |
| series | I-Economics: A Research Journal on Islamic Economics |
| spelling | doaj-art-99b1482bb0d845528d1c824ea1f543972025-08-20T02:56:24ZindFakultas Ekonomi dan Bisnis IslamI-Economics: A Research Journal on Islamic Economics2548-56012548-561X2025-06-01111152410.19109/ieconomics.v11i1.2791625049THE EFFECTIVENESS OF SHARIA FINANCING MODEL IN BANK SYARIAH INDONESIA: LITERATURE REVIEW PERSPECTIVEAldiyansah0Destrian Isnaini1Dewi Rusmiati2Institut Agama Islam Negeri (IAIN) Curup, Bengkulu, IndonesiaInstitut Agama Islam Negeri (IAIN) Curup, Bengkulu, IndonesiaInstitut Agama Islam Negeri (IAIN) Curup, Bengkulu, IndonesiaThis study aims to evaluate the effectiveness of the Islamic financing models implemented by Bank Syariah Indonesia (BSI) in supporting the development of micro, small, and medium enterprises (MSME). Islamic financing, using contracts such as mudharabah, musyarakah, and murabahah, is considered a fairer alternative to conventional financing systems. This research identifies several challenges in the implementation of Islamic financing, including the low level of Islamic financial literacy among the public and the need for strengthened regulations and government policies. Additionally, the study highlights the positive impact of partnerships between BSI and MSME, particularly those based in pesantren, in promoting local economic growth and enhancing financial inclusion. The conclusion emphasizes the importance of collaboration between the government, academia, and the Islamic banking industry to address existing challenges and improve the effectiveness of Islamic financing in Indonesia.https://jurnal.radenfatah.ac.id/index.php/ieconomics/article/view/27916 |
| spellingShingle | Aldiyansah Destrian Isnaini Dewi Rusmiati THE EFFECTIVENESS OF SHARIA FINANCING MODEL IN BANK SYARIAH INDONESIA: LITERATURE REVIEW PERSPECTIVE I-Economics: A Research Journal on Islamic Economics |
| title | THE EFFECTIVENESS OF SHARIA FINANCING MODEL IN BANK SYARIAH INDONESIA: LITERATURE REVIEW PERSPECTIVE |
| title_full | THE EFFECTIVENESS OF SHARIA FINANCING MODEL IN BANK SYARIAH INDONESIA: LITERATURE REVIEW PERSPECTIVE |
| title_fullStr | THE EFFECTIVENESS OF SHARIA FINANCING MODEL IN BANK SYARIAH INDONESIA: LITERATURE REVIEW PERSPECTIVE |
| title_full_unstemmed | THE EFFECTIVENESS OF SHARIA FINANCING MODEL IN BANK SYARIAH INDONESIA: LITERATURE REVIEW PERSPECTIVE |
| title_short | THE EFFECTIVENESS OF SHARIA FINANCING MODEL IN BANK SYARIAH INDONESIA: LITERATURE REVIEW PERSPECTIVE |
| title_sort | effectiveness of sharia financing model in bank syariah indonesia literature review perspective |
| url | https://jurnal.radenfatah.ac.id/index.php/ieconomics/article/view/27916 |
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