Tantangan dan Peluang Perkembangan Perbankan Syariah Perspektif Global

Putri Fajar Rahayu; Adinda Nur adha; Nabilah Septyani Morlina; Zakia; Rezes Lestari; Victoria Maharani

doi:10.61994/econis.v3i2.557

Authors

Putri Fajar Rahayu Universitas Islam Negeri Raden Fatah Palembang
Adinda Nur adha Universitas Islam Negeri Raden Fatah Palembang
Nabilah Septyani Morlina Universitas Islam Negeri Raden Fatah Palembang
Zakia Universitas Islam Negeri Raden Fatah Palembang
Rezes Lestari Universitas Muhammadiyah Palembang
Victoria Maharani Universitas Sriwijaya

DOI:

https://doi.org/10.61994/econis.v3i2.557

Keywords:

Tantangan, Peluang, Perbankan syariah, Global

Abstract

Penelitian ini mengkaji tantangan dan peluang perkembangan perbankan syariah secara global. Meskipun industri ini tumbuh pesat dan semakin diminati karena nilai etisnya, perbankan syariah masih menghadapi hambatan seperti regulasi yang terfragmentasi, keterbatasan operasional, persaingan dengan bank konvensional, dan rendahnya integrasi keberlanjutan. Namun, peluang besar muncul melalui kemajuan Islamic fintech, standardisasi internasional, pertumbuhan populasi Muslim, dan meningkatnya kebutuhan pembiayaan hijau. Melalui studi literatur, penelitian ini menemukan bahwa harmonisasi regulasi, peningkatan SDM, transformasi digital, ekspansi pasar global, dan penguatan keuangan berkelanjutan menjadi strategi kunci untuk meningkatkan daya saing global perbankan syariah.

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