Layanan Digital Bank Syariah Sebagai Faktor Pendorong Indeks Literasi dan Inklusi Keuangan Syariah

Abstract

Pandemi telah mempercepat transformasi digital di semua industri, termasuk lembaga keuangan. Kemunculan fintech dan bank digital telah memperkuat pentingnya menyediakan layanan perbankan digital yang mudah, tidak merepotkan dan nyaman terutama oleh bank tradisional. Perkembangan teknologi digital telah merubah pola kebiasaan masyarakat dalam menggunakan layanan perbankan termasuk perbankan syariah. Hal ini terlihat dari peningkatan jumlah produk bank syariah dengan menggunakakan layanan digital dalam rangka memberikan pelayanan terbaik untuk memenuhi ekspektasi masyarakat. Penelitian dilakukan dengan menggunakan metode kualitatif deskriptif yaitu dengan menguraikan dan menganalisis data dari hasil temuan di lapangan yang terdapat pada sumber yang diterbitkan instansi yang berwenang dan peneltian sebelumnya. Penelitian ini menghasilkan kesimpulan bahwa layanan perbankan digital yang dipasarkan oleh bank syariah merupakan upaya mewujudkan produk bank syariah lebih kompetitif sehingga dapat meningkatkan inklusi keuangan syariah di masyarakat.

Market share improvement strategy formulation through application digital platform in Sharia Bank of Indonesia

“…Even earlier in 2019, Global Islamic Finance Report (GIFR) provides a value Islamic Finance Country Index (IFCI) Indonesia is ranked at 9.01% indicating that not all who have used products from the financial industry have a good understanding of the functions and benefits of a product from the Islamic financial services industry. The Islamic financial literacy and inclusion index in several survey periods did not experience a significant increase (Aripin et al, 2022) The phenomena that occur are based on the pre-survey that researchers have done Masterplan The Indonesian Sharia Economy (MPESI) for 2019-2024 is known that the achievement of market share for Indonesian Islamic banking for 20 years is still at 5%, even though various efforts have been made by stakeholders through policies in order to increase market share according to the target (Komite Nasional Keuangan Syariah, 2018). The phenomenon currently being faced by Islamic banking is the difficulty of penetrating the market share which is actually very large for the Islamic banking industry.…”

“…Islamic banks strive to be able to apply Islamic principles and business ethics as wisely as possible to increase the level of public trust (Putritama, 2018). Islamic banking has a very important role as reflected in the market share of Islamic financial inclusion which occupies the highest position with a composition of 9.06% so that digitalization of Islamic bank products is believed to be able to increase the number of Islamic bank customers and will directly contribute to increasing the financial literacy and inclusion index sharia (Aripin et al, 2022) Meanwhile, one of the agendas of Indonesian Sharia economic stakeholders to promote self-reliance and make the world Islamic economic center is utilization and strengthening platform digital economy in terms of trade (e-commerce, market place) and finance (financial technology. The lack of socialization related to Islamic Banks is one of the factors causing people to be reluctant to use Islamic Banks (Nadia et al, 2019).…”

Evaluasi Bibliometrik terhadap Efektivitas Produk Keuangan Syariah dalam Mendorong Keuangan Inklusif di Masyarakat

“…Inklusi keuangan didefinisikan sebagai akses dan penggunaan layanan keuangan yang tepat, terjangkau, dan sesuai dengan kebutuhan individu dan masyarakat pada umumnya (Rustan et al, 2022). Inklusi keuangan tidak hanya mencakup akses terhadap rekening bank, tetapi juga layanan seperti kredit, asuransi, dan investasi (Aripin et al, 2022). Keuangan inklusif dianggap sebagai kunci untuk mengurangi kemiskinan, meningkatkan kesejahteraan, dan menciptakan kesempatan ekonomi yang lebih luas bagi masyarakat (Mustofa, 2020).…”

Sharia Financial Literacy and Inclusion: Opportunities and Challenges

“…Nasir Tajul Aripin et al (2022) researched Sharia bank digital services as a driving factor for the financial literacy and inclusion index. This research uses descriptive research methods.…”