RESILIENSI DAN INOVASI PERBANKAN SYARIAH DI TENGAH DINAMIKA EKONOMI RESILIENCE AND INNOVATION IN ISLAMIC BANKING AMID ECONOMIC DYNAMICS

Abstrak

Dinamika ekonomi global menghadirkan tantangan besar bagi perbankan syariah, seperti ketidakpastian ekonomi, perubahan teknologi, dan pergeseran perilaku masyarakat. Penelitian ini bertujuan untuk menganalisis peran resiliensi (ketahanan) dan inovasi perbankan syariah dalam menjaga stabilitas sistem keuangan serta meningkatkan daya saing industri. Menggunakan metode kualitatif deskriptif dengan pendekatan studi kepustakaan (library research) dan teknik analisis isi (content analysis), penelitian ini mengkaji berbagai literatur ilmiah, regulasi, dan artikel jurnal yang relevan. Hasil penelitian menunjukkan bahwa resiliensi perbankan syariah didukung kuat oleh prinsip syariah—seperti larangan riba, gharar, dan maysir, serta sistem bagi hasil—yang menghubungkan sektor keuangan langsung dengan sektor riil, sehingga menciptakan fondasi yang stabil terhadap tekanan global. Di sisi lain, inovasi digital terbukti krusial dalam meningkatkan daya saing melalui efisiensi operasional dan perluasan akses layanan, meskipun masih dihadapkan pada tantangan risiko keamanan data, kompetensi SDM, dan konsistensi kepatuhan syariah. Penelitian ini menyimpulkan bahwa keberhasilan perbankan syariah dalam menghadapi dinamika ekonomi sangat bergantung pada integrasi antara resiliensi keuangan, inovasi teknologi, dan kepatuhan syariah demi mendukung pertumbuhan ekonomi nasional yang inklusif dan berkelanjutan.

Global economic dynamics present major challenges for Islamic banking, such as economic uncertainty, technological changes, and shifts in public behavior. This study aims to analyze the role of resilience and innovation in Islamic banking in maintaining financial system stability and enhancing the industry’s competitiveness. Using a descriptive qualitative method with a literature review (*library research*) and content analysis techniques, this study examines various relevant scientific literature, regulations, and journal articles. The results indicate that the resilience of Islamic banking is strongly supported by Sharia principles—such as the prohibition of riba, gharar, and maysir, as well as the profit-sharing system—which directly link the financial sector to the real economy, thereby creating a stable foundation against global pressures. On the other hand, digital innovation has proven crucial in enhancing competitiveness through operational efficiency and expanded access to services, although it still faces challenges related to data security risks, human resource competencies, and consistency in Sharia compliance. This study concludes that the success of Islamic banking in navigating economic dynamics depends heavily on the integration of financial resilience, technological innovation, and Sharia compliance to support inclusive and sustainable national economic growth.