LEVEL OF EFFECTIVENESS OF BANKING FINANCING PRODUCTS IN SOUTH SULAWESI COMPARATIVE STUDY OF SHARIA BANKING AND CONVENTIONAL BANKS
Keywords:
Islamic banking, conventional banking, financing growth, customer base, South Sulawesi.Abstract
This study evaluated the effectiveness of financing products provided by Islamic and conventional banks in South Sulawesi, focusing on customer growth, asset performance, and financing trends. Data from 2023 showed that Islamic banks recorded a customer growth rate of 5.85%, reaching 49.12 million customers, compared to 4.22% growth for conventional banks with 13.47 million customers. Islamic banks also demonstrated a significant increase in their total assets, from Rp771.29 trillion in February 2023 to Rp851.54 trillion in February 2024. Despite this growth, conventional banks remained dominant in terms of total financing, achieving Rp21.07 trillion, while Islamic banks reached Rp1.45 trillion but with a higher growth rate of 15.89%.
The findings indicate that Islamic banking is gaining increasing trust and preference, particularly in regions with a high Muslim population, driven by innovative product offerings and enhanced operational efficiency. However, conventional banks continue to leverage their scale and established market presence. The results highlight the opportunities for Islamic banks to further improve their competitiveness by addressing service speed and expanding product diversity, while conventional banks may benefit from adopting strategies tailored to local market demands. This study underscores the potential for both banking systems to foster financial inclusivity and adapt to evolving consumer needs in South Sulawesi.
Downloads
References
Andika & Aldi. Kneks.go.id, 28 September 2023. (2023). Komite Nasional Ekonomi dan Keuangan Syariah. In Kneks.
Andriyani, I. (2024). Analisis Perbedaan Antara Pembiayaan Bank Syariah Dengan Kredit Bank Konvensional?: Analisis Variabel Utama Pembiayaan. 2(3), 9. https://journal.areai.or.id/index.php/SANTRI/article/view/585
Anonymous. (2023). Akad Salam: Jenis, Dasar Hukum, Syarat, dan Contohnya. In Ocbc.
ASBISINDO. (2022). KETENTUAN PINJAMAN AL QARDH menurut Fatwa DSN MUI - Asbisindo Perkumpulan Bank Syariah Indonesia.
Badaru, B. S. (2022). Journal of Lex Theory (JLT). Journal of Lex Theory (JLT), 1(2), 122–135.
Bank Tabungan Negara. (2024). Kenali Apa Itu Hipotek Hingga Kelebihan Dan Kekurangan Hipotek _ PT Bank Tabungan Negara (Persero) Tbk.
Bryan, A. (2022). Bank. Queens Quarterly, 129(1), 42–47. https://doi.org/10.5040/9781501365171.291
Dandung, M. E., Amtiran, P. Y., & Ratu, M. (2020). Analisis Perbandingan Kinerja Keuangan Perbankan Konvensional Dan Perbankan Syariah. Journal of Management?: Small and Medium Enterprises (SMEs), 11(1), 65–82. https://doi.org/10.35508/jom.v11i1.2319
Dewan Syariah Nasional - Majelis Ulama Indonesia. (2023). Fatwa Dewan Syariah Nasional - Majelis Ulama Indonesia Tentang Pembiayaan Ijarah No: 09/DSN-MUI/IV/2000. Dewan Syariah Nasional MUI, 1–4.
Dewan Syariah Nasional MUI. (2024). Pembiayaan Musyarakah. Himpunan Fatwa DSN MUI, 5.
Fadlillah, M. N., & Khotijah, S. A. (2021). Efektivitas Penerapan Pembiayaan Musyarakah Pada Baitul Maal Wa Tamwil (BMT) Bima Kota Magelang. AKTSAR: Jurnal Akuntansi Syariah, 4(2), 227. https://doi.org/10.21043/aktsar.v4i2.11951
Koni, A., Kurniawan, W., Hatta, I. M., Juhadi, J., & Albayan, A. (2021). Pembiayaan Mudharabah Bank Syariah Dalam Mewujudkan Tujuan Ekonomi Islam. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 5(1), 274–285.
Literasi, P., Syariah, K., Masyarakat, P., Produk, M., Indonesia, S., & Garut, C. (2023). Perbankan syariah (Vol. 1, Issue 1, pp. 25–30).
Muwazir, M. R., Anwar, D., & Ab Ghani, A. M. (2018). Perbandingan Kinerja Perbankan Syariah di Indonesia. Kontekstualita, 33(01), 1–24. https://doi.org/10.30631/kontekstualita.v33i1.47
NIAGA, C. (2024). Apa itu Leasing_ Ini Manfaat dan Perbedaannya dengan Kredit.
Nugroho, A. (2020). Studi Efektivitas Dewan Pengawas Syariah Terhadap Profitabilitas dan Resiko Pembiayaan Perbankan Syariah. Proceeding of National Conference on Accounting & Finance, 2(2010), 60–68. https://doi.org/10.20885/ncaf.vol2.art6
Nurmayda, S. (2024). MODAL USAHA DI BANK KONVENSIONAL SKRIPSI OLEH?: FAKULTAS HUKUM UNIVERSITAS MEDAN AREA MEDAN MODAL USAHA DI BANK KONVENSIONAL ( Studi Kasus Putusan Perkara 24 / Pdt . G . S / 2020 / PN Mdn ) SKRIPSI OLEH?: SILVIA NURMAYDA Diajukan Untuk Melengkapi Persyaratan Memperoleh Gelar Sarjana Hukum Pada Fakultas Hukum Universitas Medan Area. 24.
Nusran, M., Haming, P., Prihatin, E., Hasrin, S. M., & Abdullah, N. (2021). Edukasi Gaya Hidup Halal Di Kalangan Komunitas Generasi Milenial. International Journal Mathla’ul Anwar of Halal Issues, 1(2), 1–10. https://doi.org/10.30653/ijma.202112.20
Ocbc Nisp. (2023). Mengenal Anjak Piutang: Dasar Hukum, Jenis, Contoh & Manfaat. In Ocbc.Id.
OJK. (2022). Tentang Syariah. In Ojk.Go.Id (p. 1).
Oktaviani, G. P., & Fasa, M. I. (2024). Efektivitas Pemasaran Digital pada Bank Syariah Di Indonesia Effectiveness of Digital Marketing at Sharia Banks in Indonesia. November, 7247–7258.
PT Bank mega syariah. (2024). Mengenal Pembiayaan Syariah, Jenis, dan Cara Memilihnya. In Tim bank mega syariah.
Rafaella, A. C. (2021). Analisis Kredit Macet pada Kredit Usaha Rakyat (KUR) PT. Bank Rakyat Indonesia (Persero) Tbk Unit Rungkut Surabaya pada Masa Pandemi Covid-19. Al-Kharaj?: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 4(2), 368–379. https://doi.org/10.47467/alkharaj.v4i2.674
shariaknowledgecentre.id. (2022). Akad Istishna_ Pengertian, Rukun, Syarat dan Implementasinya.
Sugiarto. (2024). Pedoman Produk Murabahah. Otoritas Jasa Keuangan, 4(1), 1–23.
