PELUANG DAN TANTANGAN BANK SYARIAH DI ERA PERBANKAN DIGITAL DALAM PERSEPKTIF GENERASI Z

  • Achmad Tavip Junaedi Institut Bisnis dan Teknologi Pelita Indonesia
  • Nicholas Renaldo Institut Bisnis dan Teknologi Pelita Indonesia
  • Indri Yovita Universitas Riau
  • Kristy Veronica Institut Bisnis dan Teknologi Pelita Indonesia
  • Sudarno Sudarno Institut Bisnis dan Teknologi Pelita Indonesia
Abstract viewed = 0 times
PDF (Bahasa Indonesia) downloaded = 0 times

Abstract

The rapid development of technology gave birth to digital banking, better known as digital banking. How to prepare Islamic banks to take opportunities and challenges in the digital era. Sharia banking in the city of Pekanbaru is experiencing a period of digitalization. This study uses a qualitative method as a phenomenological approach to identify opportunities and challenges for Islamic banks in the digital banking era. Information is aggregated through monitoring, debriefing, and voting. The results of this research create opportunities and challenges experienced by Islamic banks in the digital era, namely; 1) the relief experienced after the emergence of digital banking began as a relief for doing business without having to attend the bank directly. 2) Digital banking is a Sharia design based on the Islamic religion which is far from usury. 3) Accelerate the activities of Islamic banks in Malay, the customers. The challenges experienced by Islamic banks in the digital banking era were due to the high level of competition as conventional banks and the slow internet network which was always neglected.


 


Perkembangan teknologi yang pesat melahirkan perbankan digital atau lebih dikenal dengan digital banking. Bagaimana mempersiapkan bank syariah dalam mengambil peluang dan tantangan di era digital. Perbankan syariah di kota Pekanbaru sedang mengalami masa digitalisasi. Penelitian ini memakai tata cara kualitatif sebagai pendekatan fenomenologis untuk mengenali kesempatan serta tantangan bank syariah di masa perbankan digital. Informasi digabungkan lewat pemantauan, tanya jawab, serta pemilihan. Hasil riset ini menciptakan kesempatan serta tantangan yang dialami bank syariah di masa digital, ialah; 1) keringanan yang dialami sesudah timbulnya digital banking dimulai sebagai keringanan berbisnis tanpa wajib menghadiri bank langsung. 2) Perbankan digital ialah rancangan syariah bersumber pada anutan agama Islam yang jauh dari riba. 3) Memesatkan aktivitas bank syariah di Melayu ini nasabahnya. Tantangan yang dirasakan bank syariah di masa perbankan digital ini diakibatkan tingginya tingkatan kompetisi sebagai bank konvensional serta lambatnya jaringan internet yang senantiasa terabaikan.

References

Aisyah, M. (2018). Islamic Bank Service Quality and Its Impact on Indonesian Customers’ Satisfaction and Loyalty. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 10(2). https://doi.org/10.15408/aiq.v10i2.7135.
Anton, Fernando, E., Estu, A. Z., Eddy, P., & Andi. (2023). Financial Report Fraud Determinants (Banking and Insurance Sub-Sector Companies on the Indonesia Stock Exchange 2017-2021). Nexus Synergy: A Business Perspective, 1(1), 32–50. https://firstcierapublisher.com/index.php/nexus/article/view/12
Arthantri, D. (2021). The Effect Of Marketing Mix On Students Loyalty Towards Instant Noodles With The Brands of INDOMIE, SEDAP, and ABC With Moderated Variety Seeking. Journal of Management Science (JMAS), 4(3), 83–92. https://doi.org/10.35335/jmas.v4i3.108
Chandra, T., Renaldo, N., & Putra, L. C. (2018). Stock Market Reaction towards SPECT Events using CAPM Adjusted Return. Opción, Año 34(Especial No.15), 338–374.
Eddy, P., Meivina, D., Irman, M., Purnama, I., & Estu, A. Z. (2023). Health Level of PT Bank Perkreditan Rakyat Duta Perdana Using CAMELS Method Period 2016-2020. Luxury: Landscape of Business Administration, 1(1), 1–11. https://firstcierapublisher.com/index.php/luxury/article/view/14
Junaedi, A. T., Renaldo, N., Yovita, I., Veronica, K., & Jahrizal. (2023). Development of Digital Economy Teaching Materials: Basic Concepts of Business Intelligence. Reflection: Education and Pedagogical Insights, 1(2), 51–61. https://doi.org/10.61230/reflection.v1i2.28
Kholis, N. (2020). PERBANKAN DALAM ERA BARU DIGITAL. Economicus, 12(1), 80–88. https://doi.org/10.47860/economicus.v12i1.149
Liaanjani, D., & Sutikno, S. (2021). Restructuring As An Effort To Reduce The Impact Of Problem Financing On Griya Ib Hasanah Produc. Jurnal Keuangan Dan Perbankan (KEBAN), 1(1), 44–51. https://doi.org/10.30656/jkk.v1i1.3969
Lubis, C., Nugroho, L., Fitrijanti, T., & Sukmadilaga, C. (2020). Peluang Pengusaha Mikro dan Kecil (UMK) Menggunakan Layanan Digital Lembaga Keuangan Mikro Syariah. JURNAL AL-QARDH, 5(1), 56–68. https://doi.org/10.23971/jaq.v5i1.1769
Ramadani, M., & Sutikno, S. (2021). Commitment Of Small Business Actors To Shopee Online Consumers. Primanomics: Jurnal Ekonomi & Bisnis, 19(3), 91–100. https://doi.org/10.31253/pe.v19i3.638
Marlina, A., & Humairah, F. (2018). PERAN DIGITAL BANKING DALAM MENINGKATKAN KEPUASAN NASABAH KREDIT (STUDI KASUS PT.BANK TABUNGAN NEGARA SYARIAH). Moneter: Jurnal Keuangan Dan Perbankan, 6(2), 37. https://doi.org/10.32832/moneter.v6i2.2409
Meliana, A. A. (2017). Factors Affecting Customer Satisfaction with Services at Bank Safir Bengkulu City (in terms of product and financing).
Mohamed, H., & Ali, H. (2018). Blockchain, Fintech, and Islamic Finance. De Gruyter. https://doi.org/10.1515/9781547400966
Nainggolan, A. A. (2017). Application of Micro Stall Financing Products at Bank Syariah Mandiri Kc. Pematangsiantar. Universitas Islam Negeri Sumatera Utara.
Nengsih, N. (2015). Peran Perbankan Syariah Dalam Mengimplementasikan Keuangan Inklusif di Indonesia. ETIKONOMI, 14(2). https://doi.org/10.15408/etk.v14i2.2272
Nugroho, L., Hidayah, N., & Badawi, A. (2018). The Islamic Banking, Asset Quality: “Does Financing Segmentation Matters” (Indonesia Evidence). Mediterranean Journal of Social Sciences, 9(5), 221–235. https://doi.org/10.2478/mjss-2018-0154
Prasetyo, T. (2011). Micro Stall Financing Products at Bank Syariah Mandiri Depok Kelapa Dua Branch.
Rafa’i, A., Junaedi, A. T., Renaldo, N., & Sultan, F. M. M. (2023). The Effect of Organizational Commitment and Competence on Work Motivation and Work Performance at SMA Negeri Tapung District. Nexus Synergy: A Business Perspective, 1(1), 1–13. https://firstcierapublisher.com/index.php/nexus/article/view/1
Rafiki, A. (2020). Opportunities and Challenges of social media to the Islamic Banks in Indonesia (pp. 227–251). https://doi.org/10.4018/978-1-7998-2257-8.ch011
Renaldo, N., Hafni, L., Hocky, A., Suhardjo, & Junaedi, A. T. (2022). The Influence of Digital Technology and Efficiency Strategy on Business Sustainability with Quality Management as Moderating Variables. 2nd International Conference on Business & Social Sciences, 1464.
Rumondang, A., Sudirman, A., Effendy, F., Simarmata, J., & Agustin, T. (2019). Fintech: Inovasi Sistem Keuangan di Era Digital. Yayasan Kita Menulis.
Saitri, P. W., Mendra, N. P. Y., Pramesti, I. G. A. A., & Renaldo, N. (2023). How Firm Characteristics Affect the Dividend Policy of Listed Banking Companies on The Indonesian Stock Exchange in 2019-2021. Interconnection: An Economic Perspective Horizon, 1(1), 37–50. https://firstcierapublisher.com/index.php/reflection/article/view/28
Salam, A. (2018). Inklusi Keuangan Perbankan Syariah Berbasis Digital-Banking: Optimalisasi dan Tantangan. Al-Amwal: Jurnal Ekonomi Dan Perbankan Syari’ah, 10(1), 63. https://doi.org/10.24235/amwal.v10i1.2813
Susilawaty, L., & Nicola, N. (2020). Pengaruh layanan perbankan digital pada kepuasan nasabah perbankan. Jurnal Manajemen Maranatha, 19(2), 179–190. https://doi.org/10.28932/jmm.v19i2.2478
Simbolon, A. (2021). Analysis of Factors Affecting the Amount of Credit Distribution at Credit Unions. Journal of Management Science (JMAS), 4(3), 98–100. https://doi.org/10.35335/jmas.v4i3.110
SULISTYA, A. (2017). THE EFFECT OF MURABAHAH FINANCING, ENTREPRENEURSHIP TRAINING AND BUSINESS EXPERIENCE ON INCREASING INCOME OF MICRO SMALL AND MEDIUM BUSINESS (MSMEs) AT BANK MUAMALAT KCP BLITAR.
Sumarno, S. (2017). The Effect of Financing, Entrepreneurship Training, and Self-Efficacy on Entrepreneurial Intentions of Posdaya Berkah V Kalinyamat Wetan Tegal City. Jurnal Ilmiah Ekonomi Dan Bisnis Unilak, 14(1), 82–87.
Sutikno, S., & Irwani Abdullah, N. (2021). The Impact of Islamic Banks in Financing MSMEs in Serang City. Jurnal Keuangan Dan Perbankan (KEBAN), 1(1), 14–25. https://doi.org/10.30656/jkk.v1i1.3965
Sutikno, S., & Kuruppuarachchi, D. (2021). Finance Technology as a Solution to Get Capital for Small Business Today. Jurnal Keuangan Dan Perbankan (KEBAN), 1(1), 1–13. https://doi.org/10.30656/jkk.v1i1.3964
Sutikno, S., & Suhartini, S. (2020). Prices strategies and promotions which E-Commerce does in sales. Primanomics: Jurnal Ekonomi & Bisnis, 18(3). https://doi.org/10.31253/pe.v18i3.399
Published
2023-12-25
How to Cite
JUNAEDI, Achmad Tavip et al. PELUANG DAN TANTANGAN BANK SYARIAH DI ERA PERBANKAN DIGITAL DALAM PERSEPKTIF GENERASI Z. Kurs : Jurnal Akuntansi, Kewirausahaan dan Bisnis, [S.l.], v. 8, n. 2, p. 116-125, dec. 2023. ISSN 2527-8215. Available at: <https://ejournal.pelitaindonesia.ac.id/ojs32/index.php/KURS/article/view/3462>. Date accessed: 03 mar. 2024. doi: https://doi.org/10.35145/kurs.v8i2.3462.

Most read articles by the same author(s)

Obs.: This plugin requires at least one statistics/report plugin to be enabled. If your statistics plugins provide more than one metric then please also select a main metric on the admin's site settings page and/or on the journal manager's settings pages.