THE CONTRIBUTION OF ISLAMIC BANKING TO FINANCIAL INCLUSION AND POVERTY ALLEVIATION IN INDONESIA
DOI:
https://doi.org/10.35334/3gr32z62Keywords:
financial inclusion, poverty, Islamic banking, empowerment, financing.Abstract
ABSTRACT
Abstract: Islamic banking plays a strategic role in expanding financial inclusion and alleviating poverty in Indonesia. With operating principles grounded in justice and partnership, Islamic banks provide financing products aligned with Islamic values, such as mudharabah, musyarakah, and murabahah, which can reach low-income communities without burdening them with interest. In addition, the management of social funds such as zakat, infaq, sadaqah, and waqf by Islamic banks strengthens the social capital used to support micro-enterprises and poverty-alleviation empowerment programs. However, significant challenges remain, including limited access in remote areas, low Islamic financial literacy, and regulations that still need to be refined so that Islamic banking can operate inclusively and innovatively. This qualitative study, using a literature review approach, highlights the importance of collaboration among the government, regulators, financial institutions, and the community to improve literacy, expand access, and develop innovative sharia-based products. Thus, Islamic banking has the potential to become an effective instrument for promoting the economic welfare of the poor in Indonesia.
References
Afifah, A., & Ardyansyah, F. (2023). Analisis Minat Masyarakat Berinvestasi Emas Melalui Produk Pembiayaan Cicil Emas di Bank Syariah Indonesia Menggunakan Pendekatan Theory of Planned Behavior. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 5(6), 2879–2900.
Ascarya, Y. D. (2012). Analisis Efisiensi Perbankan Syariah Di Indonesia Dengan Metode Data Envelopment Analysis (Dea) (Studi Kasus 7 Bank Syariah. TAZKIA Islamic Finance and Business Review, 1(2).
Bukit, A. N. (2019). Pertanggungjawaban Bank Terhadap Hak Nasabah Yang Dirugikan Dalam Pembobolan Rekening Nasabah (Studi Di Pt. Bank Rakyat Indonesia Tbk, Kantor Cabang Medan Gatot Subroto). Jurnal Ius Constituendum, 4(2), 181–194.
Dewi, I., Oktafia, R., & Nisa, F. (2023). Implementasi Pembiayaan Murabahah pada BTPN Syariah untuk Pengentasan Kemiskinan Melalui Pemberdayaan Ekonomi Nasabah Perempuan. Management Studies and Entrepreneurship Journal (MSEJ), 4(5). https://journal.yrpipku.com/index.php/msej/article/view/2614
Hasanah, I. (2023). Merger Bank Syariah BUMN: Strategi Peningkatan Pangsa Pasar Keuangan Syariah. Banque Syar'i: Jurnal Ilmiah Perbankan Syariah, 9(1), 117–130.
Holle, M. H. (2019). Inklusi keuangan; solusi pengentasan kemiskinan guna daya saing perekonomian bangsa. Amal: Jurnal Ekonomi Syariah, 1(2). https://jurnal.iainambon.ac.id/index.php/amal/article/view/1257
Kasmir. (2014a). Bank dan Lembaga Keuangan Lainnya. Edisi Revisi. In Peranan Laporan Keuangan Dalam Kebijaksanaan Pemberian Kredit Kepada Calon Nasabah Pada Pt.
Kasmir. (2014b). Pengertian Bank Menurut Para Ahli. Elibrary.Unikom.Ac.Id.
Kurnialis, S., Uliya, Z., Aulasiska, M., & Nizam, M. S. (2022). Perkembangan Perbankan Syariah Di Negara Muslim. Syarikat: Jurnal Rumpun Ekonomi Syariah, 5(2), 109–119.
Kusuma, M., Narulitasari, D., & Nurohman, Y. A. (2021). Inklusi Keuangan Dan Literasi Keuangan Terhadap Kinerja Dan Keberlanjutan Umkm Di Solo Raya. Among Makarti, 14(2). https://doi.org/10.52353/ama.v14i2.210
Layn, Y. Y., & Kasben, A. F. (2023). Faktor-faktor yang mempengaruhi minat menabung mahasiswa di bank syariah (Studi Empiris Pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Pattimura). Jurnal Lentera Akuntansi, 8(1), 131–140.
Muhajil, A., Asril, A., & Azhar, Z. (2024). Peran dan tantangan perbankan syariah dalam sistem keuangan global. JIMMI: Jurnal Ilmiah Mahasiswa Multidisiplin, 1(1), 13–23.
Vera, D. A., & Rayyan, F. (2025). Akuntansi Syariah dan Pengentasan Kemiskinan dalam Menciptakan Kesetaraan Sosial di Indonesia. AREAI: Jurnal Ekonomi Dan Keuangan Islam, 6(2). https://journal.areai.or.id/index.php/SANTRI/article/view/990
Yenti, E., Handayani, S. D., & Fitria, N. (2021). Pengaruh Financing To Deposit Ratio Terhadap Return On Asset Pada PT. BPR Syariah Al-Makmur Limbanang Kabupaten Lima Puluh Kota Periode 2012-2019. JAkSya: Jurnal Akuntansi Syariah, 1(1), 79–92.
