POTENSI BISNIS PERBANKAN SYARIAH INDONESIA TAHUN 2024: PELUANG DAN TANTANGAN

JURNAL LENTERA BISNIS Pub Date : 2024-01-22 DOI:10.34127/jrlab.v13i1.945

Ickhsanto Wahyudi, Ibnu Qizam, Erika Amelia, I. Yama

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Abstract

This study analyzes the growth outlook, opportunities, and challenges for Islamic banking in Indonesia approaching the 2024 vision to become the global Islamic economic hub. Despite positive historical trends, research comprehensively examining medium-term projections across key metrics and strategic policy implications is limited. This paper addresses the gap through qualitative interviews with experts to forecast growth in assets, financing, and customers by 2024. High potentials in untapped markets are weighed against challenges in accelerating digital transformation and reforms needed in regulation, technology, and human resources. Key recommendations will be presented for regulators and industry players to optimize growth momentum amidst Indonesia’s Islamic economy goals. The results are expected to enrich academic literature and provide regulators and practitioners strategic inputs to strengthen policies, infrastructure, capabilities, and market access. Further quantitative research can build upon these findings for deeper projections and insights forward. Keywords: Islamic banking, Islamic finance, prospects, challenges, policy, Indonesia

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2024 年印度尼西亚伊斯兰银行业务的潜力：机遇与挑战

本研究分析了印度尼西亚伊斯兰银行业的发展前景、机遇和挑战，以及 2024 年成为全球伊斯兰经济中心的愿景。尽管历史趋势良好，但全面考察关键指标和战略政策影响的中期预测的研究却很有限。本文通过对专家进行定性访谈，预测了到 2024 年印尼伊斯兰银行在资产、融资和客户方面的增长情况，从而弥补了这一空白。本文权衡了未开发市场的巨大潜力与加速数字化转型的挑战，以及监管、技术和人力资源方面所需的改革。研究将为监管机构和行业参与者提出重要建议，以优化印尼伊斯兰经济目标的增长势头。研究结果有望丰富学术文献，并为监管机构和从业人员提供战略意见，以加强政策、基础设施、能力和市场准入。进一步的定量研究可以在这些研究结果的基础上进行更深入的预测和洞察。关键词伊斯兰银行、伊斯兰金融、前景、挑战、政策、印度尼西亚

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JURNAL LENTERA BISNIS

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