URGENSI TRANSFORMASI DIGITALISASI PERBANKAN SYARIAH SECARA MASIF DALAM KERANGKA MAQASHID SYARIAH
DOI:
https://doi.org/10.55606/jurima.v2i3.1691Keywords:
digitalization of Islamic banking, Islamic maqasyidAbstract
The growth of the sharia bank business has been predicted to exceed the growth of the national banking sector as disclosed by the Chief Economist of PT Bank Syariah Indonesia Tbk (BSI) Banjaran Surya Indrastomo in the BSI Sharia Outlook 2023. However, the increase in Third Party Funds (DPK) was 11.46% YoY or higher than the national banking DPK projection of 9.6% YoY does not automatically increase the overall interest of sharia banking customers in choosing sharia banking services compared to conventional banking services. We can see this from the data on the number of placements of government funds, both BUMN, BUMD & Public Service Agencies (BLU), including the UIN Sjech M. Djamil Dajmbek Bukittinggi work unit, which are more in conventional banks than Islamic banks. Data on users of Islamic bank services and conventional banks at UIN Sjech M. Djamil Djambek Bukittinggi also have more conventional bank service users than Islamic banks with a ratio of 60% to 40%, based on data from 252 employees of the State Civil Apparatus of UIN Bukittinggi, only 106 service users. Islamic banks that place payroll or salary funds in Islamic banks and the rest use conventional banks. This phenomenon is the basis for the analysis in this study where from interview surveys with some employees of the State Civil Apparatus of UIN Bukittinggi where Islamic bank digital banking is one of the indicators driving interest in using Islamic bank services. Qualified digital banking is a must and must be able to accommodate the interests of Islamic banking services to achieve the goal of benefit within the framework of Maqashid Syariah (Dharuriyyah, Hajiyat and Tahsiniyat). The division of dharuriyyah is categorized into 5 basics, namely 1) Religion, 2) Soul, 3) Heredity, 4) Intellect and 5) Wealth. This research method uses a qualitative research study with a literature review approach. The results of the study show that digital transformation in an inclusive manner is an urgency that cannot be postponed anymore and must be carried out massively by increasing the capacity of Islamic banking capital in the IT sector of Islamic banking.
References
Agustin, Hamdi. 2021. “TEORI BANK SYARIAH.” 2(1): 67–83.
Al-Amin, Al-Amin, Wira Andespa, and Husnul Bashir. 2022. “Peran Baitul Maal Wa Tamwil (BMT) Sidogiri Unit Cabang Sui Kunyit Terhadap Pemberdayaan Usaha Mikro Kecil Di Desa Sui Kunyit Hulu.” BULLET: Jurnal Multidisiplin Ilmu 1(6): 1214–27.
Amin, Al-Amin, and Muhammad Muhammad Taufiq. 2023. “Analisis Pengaruh Hifdz Al Maal Terhadap Pengelolaan Harta Pada Pedagang Muslim Pasar Aur Kuning Kota Bukittinggi.” JESI (Jurnal Ekonomi Syariah Indonesia) 12(2): 163–69.
Anggrayni, Lilly, Ridwan Tabe, and Nurul Azizah Azzochrah. 2022. “Is Maqashid Shariah Important for Islamic Banks?” Jurnal Akuntansi Multiparadigma 13(3): 420–31.
Annur, Cindy Mutia. 2022. “Aplikasi Mobile Banking Terpopuler Di Indonesia.” Databoks.Katadata: 1–9.
Asbullah, Muhammad, Imelda Barus, Al-Amin Al-Amin, and Irnayenti Irnayenti. 2023. “PENGARUH PELATIHAN BUDIDAYA LELE TERHADAP MINAT BERWIRAUSAHA MASYARAKAT SUI KUNYIT HULU.” Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi) 7(1): 923–32.
Digitalisasi, Selain, Ini Kunci, and Pengembangan Perbankan. 2023. “Selain Digitalisasi , Ini Kunci Pengembangan Perbankan Syariah.” : 1–5.
Febriadi, Sandy Rizki. 2017. “Aplikasi Maqashid Syariah Dalam Bidang Perbankan Syariah.” Amwaluna: Jurnal Ekonomi dan Keuangan Syariah 1(2): 231–45.
Jumlah, Peningkatan, Nasabah Pada, and Bank Syariah. 2023. “STUDI LITERATUR FAKTOR-FAKTOR YANG MEMPENGARUHI.” 1(4).
Kismawadi, Early Ridho. 2023. “Contribution of Islamic Banks and Macroeconomic Variables to Economic Growth in Developing Countries: Vector Error Correction Model Approach (VECM).” Journal of Islamic Accounting and Business Research (January).
Nasir Tajul Aripin, Nur Fatwa, and Mulawarman Hannase. 2022. “Layanan Digital Bank Syariah Sebagai Faktor Pendorong Indeks Literasi Dan Inklusi Keuangan Syariah.” Syarikat: Jurnal Rumpun Ekonomi Syariah 5(1): 29–45.
Nurfalah, Irfan, and Aam Slamet Rusydiana. 2019. “DIGITALISASI KEUANGAN SYARIAH MENUJU KEUANGAN INKLUSIF : KERANGKA MAQASHID SYARIAH.” Jurnal Ekonomi, Keuangan, Perbankan dan Akuntansi 11(1): 55–76.
Pertumbuhan, P M et al. “Pertumbuhan Aset Perbankan Syariah Lebih Tinggi Dibanding Konvensional.” : 12–14.
Raya, Bank, and Bank Raya. 2022. “Bank Digital Makin Ekspansif Mendorong Peningkatan Pengguna Aktif.” : 1–6.
Rizaty, Monavia Ayu. 2023. “Total Aset Bank Syariah Capai Rp765 , 36 Triliun Pada Januari 2023 Total Aset Bank Umum Syariah Dan Unit Usaha Syariah.” : 3–9.
Rudi Setiyobono, Nurmala Ahmar, and Darmansyah. 2019. “Pengukuran Kinerja Perbankan Syariah Berbasis Maqashid Syariah Index Bank Syariah Di Indonesia : Abdul Majid Najjar Versus Abu Zahrah.” Jurnal Riset Akuntansi & Perpajakan (JRAP) 6(02): 111–26.
Sa’diyah, Mahmudatus, Asep Gugun Gumilar, and Edi Susilo. 2021. “Uji Maqashid Syariah Perbankan Syariah Di Indonesia.” Jurnal Ilmiah Ekonomi Islam 7(1): 373.
Safitri, Ria, and Hasan Mukhibad. 2020. “The Influence of Islamic Corporate Governance on The Performance of Maqashid Sharia in Sharia Banking in Indonesia.” Accounting Analysis Journal 9(2): 88–94.
Srisusilawati, Popon et al. 2022. “Implementasi Maqashid Syariah Terhadap Produk Perbankan Syariah.” Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah 7(1): 1.
Suku, Mengenal Jenis-jenis, and Bunga Bank. “Daftar Perusahaan Fintech Lending Yang Berizin Dan Terdaftar Di OJK DIGITAL BANKING : PERMUDAH AKSES LAYANAN PERBANKAN Tips Terpopuler Tips Terbaru.” : 20–23.
Syariah, Pertumbuhan Perbankan et al. 2023. “2023, Pertumbuhan Perbankan Syariah Diprediksi Di Atas Rata-Rata Bank Konvensional.” : 3–5.
Tamanni, Luqyan, Indra Indra, Yaser Taufik Syamlan, and Anita Priantina. 2022. “Islamic Social Fi Nance and Commercial Fi Nance : A Marriage Made in Heaven ?” (June).
Yusup, Muhamad, and Dewi Sartika Nasution. 2020. “Implementation of the Maqashid Syariah Index Approach on the Performance of Sharia Regional Development Banks in Indonesia.” Journal of Finance and Islamic Banking 3(1): 21–37.
