Challenges And Opportunities in Sharia Bank Development in Indonesia, A Literature Review
Keywords:
Sharia Banks, Indonesia, Development, Bibliometrics, Literature Review
Article Metrics
Abstract view : 1062 timesAbstract
Sharia bank development in Indonesia has a positive trends, however the development of Sharia bank still far below the development of the conventional bank. Despite the muslim population are the largest in Indonesia but it still not maximized yet for developing Sharia bank. This research using bibliometrics approach from the previous study from 2003-2023 and continuing with systematic literature review for examine the challenges and opportunities in developing Sharia bank in Indonesia. This Research find the most productive institution, authors and most influence journal and articles, there is a challenges and opportunity that changes periodically according to the condition of socioeconomics, but the main challenges and opportunities in developing sharia bank in Indonesia are sharia compliance, productivity, profitability, solvability, bank management, customer behavior and market competition. The result from this study conduct a lesson and strategies that can be utilized for developing Sharia bank, and can help the future researcher to do further study about critical and populer issues in Sharia bank development topics.
References
[1.] Abduh, M., & Azmi Omar, M. (2012). Islamic banking and economic growth: the Indonesian experience. International Journal of Islamic and Middle Eastern Finance and Management, 5(1), 35–47. https://doi.org/10.1108/17538391211216811
[2.] Abedifar, P., Ebrahim, S. M., Molyneux, P., & Tarazi, A. (2015). Islamic banking and finance: Recent empirical literature and directions for future research. Journal of Economic Surveys, 29(4), 637–670. https://doi.org/10.1111/joes.12113
[3.] Abror, A., Patrisia, D., Engriani, Y., Evanita, S., Yasri, Y., & Dastgir, S. (2019). Service quality, religiosity, customer satisfaction, customer engagement and Islamic bank’s customer loyalty. Journal of Islamic Marketing, 11(6), 1691–1705. https://doi.org/10.1108/JIMA-03-2019-0044
[4.] Akhter, A., Javed, M. Y., & Akhter, J. (2023). Research trends in the field of Islamic social finance: a bibliometric analysis from 1914 to 2022. In International Journal of Ethics and Systems. Emerald Publishing. https://doi.org/10.1108/IJOES-03-2023-0044
[5.] Alshater, M. M., Hassan, M. K., Khan, A., & Saba, I. (2021). Influential and intellectual structure of Islamic finance: a bibliometric review. In International Journal of Islamic and Middle Eastern Finance and Management (Vol. 14, Issue 2, pp. 339–365). Emerald Group Holdings Ltd. https://doi.org/10.1108/IMEFM-08-2020-0419
[6.] Amalina Wan Abdullah, W., Percy, M., & Stewart, J. (2013). Shari’ah disclosures in Malaysian and Indonesian Islamic banks: The Shari’ah governance system. Journal of Islamic Accounting and Business Research, 4(2), 100–131. https://doi.org/10.1108/JIABR-10-2012-0063
[7.] Amran, A., Fauzi, H., Purwanto, Y., Darus, F., Yusoff, H., Zain, M. M., Naim, D. M. A., & Nejati, M. (2017). Social responsibility disclosure in Islamic banks: a comparative study of Indonesia and Malaysia. Journal of Financial Reporting and Accounting, 15(1), 99–115. https://doi.org/10.1108/JFRA-01-2015-0016
[8.] Barata, D. D., & Napitupulu, A. F. (2019). Why We Switch from Conventional to Sharia Bank? ICEMA International Conference on Economics, Management, and Accounting. https://doi.org/10.18502/kss.v3i26.5371
[9.] Biancone, P. Pietro, Saiti, B., Petricean, D., & Chmet, F. (2020). The bibliometric analysis of Islamic banking and finance. Journal of Islamic Accounting and Business Research, 11(9), 2069–2086. https://doi.org/10.1108/JIABR-08-2020-0235
[10.] Fauzi, A. A., & Suryani, T. (2019). Measuring the effects of service quality by using CARTER model towards customer satisfaction, trust and loyalty in Indonesian Islamic banking. Journal of Islamic Marketing, 10(1), 269–289. https://doi.org/10.1108/JIMA-04-2017-0048
[11.] Floren, J., Rasul, T., & Gani, A. (2020). Islamic marketing and consumer behaviour: a systematic literature review. In Journal of Islamic Marketing (Vol. 11, Issue 6, pp. 1557–1578). Emerald Group Holdings Ltd. https://doi.org/10.1108/JIMA-05-2019-0100
[12.] Fusva, A., Dean, D., Suhartanto, D., Syarief, Moch. E., Arifin, A. Z., Suhaeni, T., & Rafdinal, W. (2020). Loyalty formation and its impact on financial performance of Islamic banks – evidence from Indonesia. Journal of Islamic Marketing, 12(9), 1872–1886. https://doi.org/10.1108/JIMA-12-2019-0258
[13.] Grassa, R., & Matoussi, H. (2014a). Corporate governance of Islamic banks: A comparative study between GCC and Southeast Asia countries. International Journal of Islamic and Middle Eastern Finance and Management, 7(3), 346–362. https://doi.org/10.1108/IMEFM-01-2013-0001
[14.] Grassa, R., & Matoussi, H. (2014b). Corporate governance of Islamic banks: A comparative study between GCC and Southeast Asia countries. International Journal of Islamic and Middle Eastern Finance and Management, 7(3), 346–362. https://doi.org/10.1108/IMEFM-01-2013-0001
[15.] Haddow, G. (2018). Bibliometric research. In Research Methods: Information, Systems, and Contexts: Second Edition (pp. 241–266). Elsevier Inc. https://doi.org/10.1016/B978-0-08-102220-7.00010-8
[16.] Hasan, H. A., Jasri, J., & Hasanuddin, ; (2022). THE BARRIERS AND CHALLENGES TO THE IMPLEMENTATION OF ISLAMIC SHARIA IN THE BANKING INDUSTRY. https://www.researchgate.net/publication/377813189
[17.] Hutapea, E. G., & Kasri, R. A. (2010). Bank margin determination: a comparison between Islamic and conventional banks in Indonesia. International Journal of Islamic and Middle Eastern Finance and Management, 3(1), 65–82. https://doi.org/10.1108/17538391011033870
[18.] Ibrahim, M. H. (2015). Issues in Islamic banking and finance: Islamic banks, Shari’ah-compliant investment and sukuk. Pacific Basin Finance Journal, 34, 185–191. https://doi.org/10.1016/j.pacfin.2015.06.002
[19.] Indupurnahayu, Nurhayati, I., Endri, Marlina, A., Yudhawati, D., & Muniroh, L. (2022). Islamic Bank Merger and Economic Crisis: Event Study Analysis. Quality - Access to Success, 23(187). https://doi.org/10.47750/QAS/23.187.08
[20.] Kartika, T., Firdaus, A., & Najib, M. (2019). Contrasting the drivers of customer loyalty; financing and depositor customer, single and dual customer, in Indonesian Islamic bank. Journal of Islamic Marketing, 11(4), 933–959. https://doi.org/10.1108/JIMA-04-2017-0040
[21.] Kasri, R., & Kassim, S. (2009). Empirical Determinants of Saving in the Islamic Banks: Evidence from Indonesia. Journal of King Abdulaziz University-Islamic Economics, 22(2), 181–201. https://doi.org/10.4197/islec.22-2.7
[22.] Khan, A., Rizvi, S. A. R., Ali, M., & Haroon, O. (2021). A survey of Islamic finance research – Influences and influencers. In Pacific Basin Finance Journal (Vol. 69). Elsevier B.V. https://doi.org/10.1016/j.pacfin.2020.101437
[23.] Mansour, W., Ajmi, H., & Saci, K. (2022). Regulatory policies in the global Islamic banking sector in the outbreak of COVID-19 pandemic. Journal of Banking Regulation, 23(3), 265–287. https://doi.org/10.1057/s41261-021-00147-3
[24.] Mubarrok, U. S., & Rahmawati, Z. (2020). Analisis Bibliometrik Perkembangan Penelitian Bank Wakaf. MALIA (TERAKREDITASI), 12(1), 17–28. https://doi.org/10.35891/ml.v12i1.1938
[25.] Nadia, S., Ibrahim, A., & Jalilah, J. (2019). ANALISIS HAMBATAN PERTUMBUHAN PERBANKAN SYARIAH DI INDONESIA (Kajian Terhadap Perbankan Syariah Di Aceh). JIHBIZ :Global Journal of Islamic Banking and Finance., 1(2), 153. https://doi.org/10.22373/jihbiz.v1i2.8575
[26.] Narayan, P. K., & Phan, D. H. B. (2019). A survey of Islamic banking and finance literature: Issues, challenges and future directions. Pacific Basin Finance Journal, 53, 484–496. https://doi.org/10.1016/j.pacfin.2017.06.006
[27.] OJK. (2022). Statistik Industri Keuangan NonBank Syariah. www.ojk.go.id.
[28.] Okoli, C., & Schabram, K. (2010). Working Papers on Information Systems A Guide to Conducting a Systematic Literature Review of Information Systems Research A Guide to Conducting a Systematic Literature Review of Information Systems Research.
[29.] Rachman, A., Mandiri, D. P., Astuti, W., & Arkoyah, S. (2022). TANTANGAN PERKEMBANGAN PERBANKAN SYARIAH DI INDONESIA. Jurnal Tabarru’ : Islamic Banking and Finance, 5.
[30.] Rasul, T. (2019). The trends, opportunities and challenges of halal tourism: a systematic literature review. Tourism Recreation Research, 44(4), 434–450. https://doi.org/10.1080/02508281.2019.1599532
[31.] Rusydiana, A. S. (2016). ANALISIS PROBLEM PENGEMBANGAN PERBANKAN SYARIAH DI INDONESIA: APLIKASI METODE ANALYTIC NETWORK PROCESS. ESENSI, 6(2). https://doi.org/10.15408/ess.v6i2.3573
[32.] Rusydiana, A. S. (2020). Islamic Finance and Sustainable Development Goals (SDG): A Bibliometric Review. Journal of Islamic Economic Literatures, 1(1). http://journals.smartinsight.id/index.php/JIEL/index
[33.] Rusydiana, A. S. (2021). Bibliometric analysis of journals, authors, and topics related to COVID-19 and Islamic finance listed in the Dimensions database by Biblioshiny. Science Editing, 8(1), 72–78. https://doi.org/10.6087/kcse.232
[34.] Sari, M. (2023). DEVELOPMENT OF MICROFINANCE SUSTAINABLE: A BIBLIOMETRIC APPROACH. 1(2), 119–137.
[35.] Setyawati, I., Suroso, S., Suryanto, T., & Dini. (2017). Does Financial Performance of Islamic Banking is better? Panel Data Estimation. EUROPEAN RESEARCH STUDIES JOURNAL, XX(Issue 2A), 592–606. https://doi.org/10.35808/ersj/661
[36.] Shaban, M., Duygun, M., Anwar, M., & Akbar, B. (2014). Diversification and banks’ willingness to lend to small businesses: Evidence from Islamic and conventional banks in Indonesia. Journal of Economic Behavior & Organization, 103, S39–S55. https://doi.org/10.1016/j.jebo.2014.03.021
[37.] Snyder, H. (2019). Literature review as a research methodology: An overview and guidelines. Journal of Business Research, 104, 333–339. https://doi.org/10.1016/j.jbusres.2019.07.039
[38.] Sri, K., Nurnasrina, & Heri, S. (2023). DINAMIKA DAN PERMASALAHAN PERBANKAN SYARIAH DI INDONESIA-HARAPAN DAN REALITA. MONEY: JOURNAL OF FINANCIAL DAN ISLAMIC BANKING, 1(1), 11–22.
[39.] Sudarsono, H., Nugrohowati, R. N. I., & Tumewang, Y. K. (2020). The Effect of Covid-19 Pandemic on the Adoption of Internet Banking in Indonesia: Islamic Bank and Conventional Bank. The Journal of Asian Finance, Economics and Business, 7(11), 789–800. https://doi.org/10.13106/jafeb.2020.vol7.no11.789
[40.] Suhartanto, D., Gan, C., Sarah, I. S., & Setiawan, S. (2019). Loyalty towards Islamic banking: service quality, emotional or religious driven? Journal of Islamic Marketing, 11(1), 66–80. https://doi.org/10.1108/JIMA-01-2018-0007
[41.] Suhartanto, D., Syarief, M. E., Chandra Nugraha, A., Suhaeni, T., Masthura, A., & Amin, H. (2022). Millennial loyalty towards artificial intelligence-enabled mobile banking: evidence from Indonesian Islamic banks. Journal of Islamic Marketing, 13(9), 1958–1972. https://doi.org/10.1108/JIMA-12-2020-0380
[42.] Supriani, I., Adilah Bahril, M., Pimada, L. M., Melzatia, H. H., & Herianingrum, S. (2024). Twenty years of Islamic banking literature by Indonesian researchers: A hybrid reviews. Jurnal Ekonomi & Keuangan Islam, 2024(1), 131–148. https://doi.org/10.20885/JEKI
[43.] Syafri Harahap, S. (2003). The disclosure of Islamic values – annual report. The analysis of Bank Muamalat Indonesia’s annual report. Managerial Finance, 29(7), 70–89. https://doi.org/10.1108/03074350310768355
[44.] Tijjani, B., Ashiq, M., Siddique, N., Khan, M. A., & Rasul, A. (2020). A bibliometric analysis of quality research papers in Islamic finance: evidence from Web of Science. ISRA International Journal of Islamic Finance, 13(1), 84–101. https://doi.org/10.1108/IJIF-03-2020-0056
[45.] Trinugroho, I., Risfandy, T., & Ariefianto, M. D. (2018a). Competition, diversification, and bank margins: Evidence from Indonesian Islamic rural banks. Borsa Istanbul Review, 18(4), 349–358. https://doi.org/10.1016/j.bir.2018.07.006
[46.] Trinugroho, I., Risfandy, T., & Ariefianto, M. D. (2018b). Competition, diversification, and bank margins: Evidence from Indonesian Islamic rural banks. Borsa Istanbul Review, 18(4), 349–358. https://doi.org/10.1016/j.bir.2018.07.006
[47.] Usman, H., Projo, N. W. K., Chairy, C., & Haque, M. G. (2022). The exploration role of Sharia compliance in technology acceptance model for e-banking (case: Islamic bank in Indonesia). Journal of Islamic Marketing, 13(5), 1089–1110. https://doi.org/10.1108/JIMA-08-2020-0230
[48.] Wahyuni, S., & Fitriani, N. (2017). Brand religiosity aura and brand loyalty in Indonesia Islamic banking. Journal of Islamic Marketing, 8(3), 361–372. https://doi.org/10.1108/JIMA-06-2015-0044
[49.] Wahyuni, S., Pujiharto, Nur Azizah, S., & Zulfikar, Z. (2021). Impact of the COVID-19 pandemic and New Normal implementation on credit risk and profitability of Indonesian banking institutions. Banks and Bank Systems, 16(3), 104–112. https://doi.org/10.21511/bbs.16(3).2021.10
[50.] Yudaruddin, R. (2023). Government policy response to COVID-19 and bank performance: a comparison between Islamic and conventional banks. Journal of Islamic Accounting and Business Research, 14(6), 952–972. https://doi.org/10.1108/JIABR-09-2022-0248
[2.] Abedifar, P., Ebrahim, S. M., Molyneux, P., & Tarazi, A. (2015). Islamic banking and finance: Recent empirical literature and directions for future research. Journal of Economic Surveys, 29(4), 637–670. https://doi.org/10.1111/joes.12113
[3.] Abror, A., Patrisia, D., Engriani, Y., Evanita, S., Yasri, Y., & Dastgir, S. (2019). Service quality, religiosity, customer satisfaction, customer engagement and Islamic bank’s customer loyalty. Journal of Islamic Marketing, 11(6), 1691–1705. https://doi.org/10.1108/JIMA-03-2019-0044
[4.] Akhter, A., Javed, M. Y., & Akhter, J. (2023). Research trends in the field of Islamic social finance: a bibliometric analysis from 1914 to 2022. In International Journal of Ethics and Systems. Emerald Publishing. https://doi.org/10.1108/IJOES-03-2023-0044
[5.] Alshater, M. M., Hassan, M. K., Khan, A., & Saba, I. (2021). Influential and intellectual structure of Islamic finance: a bibliometric review. In International Journal of Islamic and Middle Eastern Finance and Management (Vol. 14, Issue 2, pp. 339–365). Emerald Group Holdings Ltd. https://doi.org/10.1108/IMEFM-08-2020-0419
[6.] Amalina Wan Abdullah, W., Percy, M., & Stewart, J. (2013). Shari’ah disclosures in Malaysian and Indonesian Islamic banks: The Shari’ah governance system. Journal of Islamic Accounting and Business Research, 4(2), 100–131. https://doi.org/10.1108/JIABR-10-2012-0063
[7.] Amran, A., Fauzi, H., Purwanto, Y., Darus, F., Yusoff, H., Zain, M. M., Naim, D. M. A., & Nejati, M. (2017). Social responsibility disclosure in Islamic banks: a comparative study of Indonesia and Malaysia. Journal of Financial Reporting and Accounting, 15(1), 99–115. https://doi.org/10.1108/JFRA-01-2015-0016
[8.] Barata, D. D., & Napitupulu, A. F. (2019). Why We Switch from Conventional to Sharia Bank? ICEMA International Conference on Economics, Management, and Accounting. https://doi.org/10.18502/kss.v3i26.5371
[9.] Biancone, P. Pietro, Saiti, B., Petricean, D., & Chmet, F. (2020). The bibliometric analysis of Islamic banking and finance. Journal of Islamic Accounting and Business Research, 11(9), 2069–2086. https://doi.org/10.1108/JIABR-08-2020-0235
[10.] Fauzi, A. A., & Suryani, T. (2019). Measuring the effects of service quality by using CARTER model towards customer satisfaction, trust and loyalty in Indonesian Islamic banking. Journal of Islamic Marketing, 10(1), 269–289. https://doi.org/10.1108/JIMA-04-2017-0048
[11.] Floren, J., Rasul, T., & Gani, A. (2020). Islamic marketing and consumer behaviour: a systematic literature review. In Journal of Islamic Marketing (Vol. 11, Issue 6, pp. 1557–1578). Emerald Group Holdings Ltd. https://doi.org/10.1108/JIMA-05-2019-0100
[12.] Fusva, A., Dean, D., Suhartanto, D., Syarief, Moch. E., Arifin, A. Z., Suhaeni, T., & Rafdinal, W. (2020). Loyalty formation and its impact on financial performance of Islamic banks – evidence from Indonesia. Journal of Islamic Marketing, 12(9), 1872–1886. https://doi.org/10.1108/JIMA-12-2019-0258
[13.] Grassa, R., & Matoussi, H. (2014a). Corporate governance of Islamic banks: A comparative study between GCC and Southeast Asia countries. International Journal of Islamic and Middle Eastern Finance and Management, 7(3), 346–362. https://doi.org/10.1108/IMEFM-01-2013-0001
[14.] Grassa, R., & Matoussi, H. (2014b). Corporate governance of Islamic banks: A comparative study between GCC and Southeast Asia countries. International Journal of Islamic and Middle Eastern Finance and Management, 7(3), 346–362. https://doi.org/10.1108/IMEFM-01-2013-0001
[15.] Haddow, G. (2018). Bibliometric research. In Research Methods: Information, Systems, and Contexts: Second Edition (pp. 241–266). Elsevier Inc. https://doi.org/10.1016/B978-0-08-102220-7.00010-8
[16.] Hasan, H. A., Jasri, J., & Hasanuddin, ; (2022). THE BARRIERS AND CHALLENGES TO THE IMPLEMENTATION OF ISLAMIC SHARIA IN THE BANKING INDUSTRY. https://www.researchgate.net/publication/377813189
[17.] Hutapea, E. G., & Kasri, R. A. (2010). Bank margin determination: a comparison between Islamic and conventional banks in Indonesia. International Journal of Islamic and Middle Eastern Finance and Management, 3(1), 65–82. https://doi.org/10.1108/17538391011033870
[18.] Ibrahim, M. H. (2015). Issues in Islamic banking and finance: Islamic banks, Shari’ah-compliant investment and sukuk. Pacific Basin Finance Journal, 34, 185–191. https://doi.org/10.1016/j.pacfin.2015.06.002
[19.] Indupurnahayu, Nurhayati, I., Endri, Marlina, A., Yudhawati, D., & Muniroh, L. (2022). Islamic Bank Merger and Economic Crisis: Event Study Analysis. Quality - Access to Success, 23(187). https://doi.org/10.47750/QAS/23.187.08
[20.] Kartika, T., Firdaus, A., & Najib, M. (2019). Contrasting the drivers of customer loyalty; financing and depositor customer, single and dual customer, in Indonesian Islamic bank. Journal of Islamic Marketing, 11(4), 933–959. https://doi.org/10.1108/JIMA-04-2017-0040
[21.] Kasri, R., & Kassim, S. (2009). Empirical Determinants of Saving in the Islamic Banks: Evidence from Indonesia. Journal of King Abdulaziz University-Islamic Economics, 22(2), 181–201. https://doi.org/10.4197/islec.22-2.7
[22.] Khan, A., Rizvi, S. A. R., Ali, M., & Haroon, O. (2021). A survey of Islamic finance research – Influences and influencers. In Pacific Basin Finance Journal (Vol. 69). Elsevier B.V. https://doi.org/10.1016/j.pacfin.2020.101437
[23.] Mansour, W., Ajmi, H., & Saci, K. (2022). Regulatory policies in the global Islamic banking sector in the outbreak of COVID-19 pandemic. Journal of Banking Regulation, 23(3), 265–287. https://doi.org/10.1057/s41261-021-00147-3
[24.] Mubarrok, U. S., & Rahmawati, Z. (2020). Analisis Bibliometrik Perkembangan Penelitian Bank Wakaf. MALIA (TERAKREDITASI), 12(1), 17–28. https://doi.org/10.35891/ml.v12i1.1938
[25.] Nadia, S., Ibrahim, A., & Jalilah, J. (2019). ANALISIS HAMBATAN PERTUMBUHAN PERBANKAN SYARIAH DI INDONESIA (Kajian Terhadap Perbankan Syariah Di Aceh). JIHBIZ :Global Journal of Islamic Banking and Finance., 1(2), 153. https://doi.org/10.22373/jihbiz.v1i2.8575
[26.] Narayan, P. K., & Phan, D. H. B. (2019). A survey of Islamic banking and finance literature: Issues, challenges and future directions. Pacific Basin Finance Journal, 53, 484–496. https://doi.org/10.1016/j.pacfin.2017.06.006
[27.] OJK. (2022). Statistik Industri Keuangan NonBank Syariah. www.ojk.go.id.
[28.] Okoli, C., & Schabram, K. (2010). Working Papers on Information Systems A Guide to Conducting a Systematic Literature Review of Information Systems Research A Guide to Conducting a Systematic Literature Review of Information Systems Research.
[29.] Rachman, A., Mandiri, D. P., Astuti, W., & Arkoyah, S. (2022). TANTANGAN PERKEMBANGAN PERBANKAN SYARIAH DI INDONESIA. Jurnal Tabarru’ : Islamic Banking and Finance, 5.
[30.] Rasul, T. (2019). The trends, opportunities and challenges of halal tourism: a systematic literature review. Tourism Recreation Research, 44(4), 434–450. https://doi.org/10.1080/02508281.2019.1599532
[31.] Rusydiana, A. S. (2016). ANALISIS PROBLEM PENGEMBANGAN PERBANKAN SYARIAH DI INDONESIA: APLIKASI METODE ANALYTIC NETWORK PROCESS. ESENSI, 6(2). https://doi.org/10.15408/ess.v6i2.3573
[32.] Rusydiana, A. S. (2020). Islamic Finance and Sustainable Development Goals (SDG): A Bibliometric Review. Journal of Islamic Economic Literatures, 1(1). http://journals.smartinsight.id/index.php/JIEL/index
[33.] Rusydiana, A. S. (2021). Bibliometric analysis of journals, authors, and topics related to COVID-19 and Islamic finance listed in the Dimensions database by Biblioshiny. Science Editing, 8(1), 72–78. https://doi.org/10.6087/kcse.232
[34.] Sari, M. (2023). DEVELOPMENT OF MICROFINANCE SUSTAINABLE: A BIBLIOMETRIC APPROACH. 1(2), 119–137.
[35.] Setyawati, I., Suroso, S., Suryanto, T., & Dini. (2017). Does Financial Performance of Islamic Banking is better? Panel Data Estimation. EUROPEAN RESEARCH STUDIES JOURNAL, XX(Issue 2A), 592–606. https://doi.org/10.35808/ersj/661
[36.] Shaban, M., Duygun, M., Anwar, M., & Akbar, B. (2014). Diversification and banks’ willingness to lend to small businesses: Evidence from Islamic and conventional banks in Indonesia. Journal of Economic Behavior & Organization, 103, S39–S55. https://doi.org/10.1016/j.jebo.2014.03.021
[37.] Snyder, H. (2019). Literature review as a research methodology: An overview and guidelines. Journal of Business Research, 104, 333–339. https://doi.org/10.1016/j.jbusres.2019.07.039
[38.] Sri, K., Nurnasrina, & Heri, S. (2023). DINAMIKA DAN PERMASALAHAN PERBANKAN SYARIAH DI INDONESIA-HARAPAN DAN REALITA. MONEY: JOURNAL OF FINANCIAL DAN ISLAMIC BANKING, 1(1), 11–22.
[39.] Sudarsono, H., Nugrohowati, R. N. I., & Tumewang, Y. K. (2020). The Effect of Covid-19 Pandemic on the Adoption of Internet Banking in Indonesia: Islamic Bank and Conventional Bank. The Journal of Asian Finance, Economics and Business, 7(11), 789–800. https://doi.org/10.13106/jafeb.2020.vol7.no11.789
[40.] Suhartanto, D., Gan, C., Sarah, I. S., & Setiawan, S. (2019). Loyalty towards Islamic banking: service quality, emotional or religious driven? Journal of Islamic Marketing, 11(1), 66–80. https://doi.org/10.1108/JIMA-01-2018-0007
[41.] Suhartanto, D., Syarief, M. E., Chandra Nugraha, A., Suhaeni, T., Masthura, A., & Amin, H. (2022). Millennial loyalty towards artificial intelligence-enabled mobile banking: evidence from Indonesian Islamic banks. Journal of Islamic Marketing, 13(9), 1958–1972. https://doi.org/10.1108/JIMA-12-2020-0380
[42.] Supriani, I., Adilah Bahril, M., Pimada, L. M., Melzatia, H. H., & Herianingrum, S. (2024). Twenty years of Islamic banking literature by Indonesian researchers: A hybrid reviews. Jurnal Ekonomi & Keuangan Islam, 2024(1), 131–148. https://doi.org/10.20885/JEKI
[43.] Syafri Harahap, S. (2003). The disclosure of Islamic values – annual report. The analysis of Bank Muamalat Indonesia’s annual report. Managerial Finance, 29(7), 70–89. https://doi.org/10.1108/03074350310768355
[44.] Tijjani, B., Ashiq, M., Siddique, N., Khan, M. A., & Rasul, A. (2020). A bibliometric analysis of quality research papers in Islamic finance: evidence from Web of Science. ISRA International Journal of Islamic Finance, 13(1), 84–101. https://doi.org/10.1108/IJIF-03-2020-0056
[45.] Trinugroho, I., Risfandy, T., & Ariefianto, M. D. (2018a). Competition, diversification, and bank margins: Evidence from Indonesian Islamic rural banks. Borsa Istanbul Review, 18(4), 349–358. https://doi.org/10.1016/j.bir.2018.07.006
[46.] Trinugroho, I., Risfandy, T., & Ariefianto, M. D. (2018b). Competition, diversification, and bank margins: Evidence from Indonesian Islamic rural banks. Borsa Istanbul Review, 18(4), 349–358. https://doi.org/10.1016/j.bir.2018.07.006
[47.] Usman, H., Projo, N. W. K., Chairy, C., & Haque, M. G. (2022). The exploration role of Sharia compliance in technology acceptance model for e-banking (case: Islamic bank in Indonesia). Journal of Islamic Marketing, 13(5), 1089–1110. https://doi.org/10.1108/JIMA-08-2020-0230
[48.] Wahyuni, S., & Fitriani, N. (2017). Brand religiosity aura and brand loyalty in Indonesia Islamic banking. Journal of Islamic Marketing, 8(3), 361–372. https://doi.org/10.1108/JIMA-06-2015-0044
[49.] Wahyuni, S., Pujiharto, Nur Azizah, S., & Zulfikar, Z. (2021). Impact of the COVID-19 pandemic and New Normal implementation on credit risk and profitability of Indonesian banking institutions. Banks and Bank Systems, 16(3), 104–112. https://doi.org/10.21511/bbs.16(3).2021.10
[50.] Yudaruddin, R. (2023). Government policy response to COVID-19 and bank performance: a comparison between Islamic and conventional banks. Journal of Islamic Accounting and Business Research, 14(6), 952–972. https://doi.org/10.1108/JIABR-09-2022-0248
Published
2024-08-02
How to Cite
Esaputra, A. B. (2024). Challenges And Opportunities in Sharia Bank Development in Indonesia, A Literature Review. Jurnal Akuntansi, Manajemen Dan Ilmu Ekonomi (Jasmien), 4(04), 366-384. https://doi.org/10.54209/jasmien.v5i01.571
Section
Articles
Copyright (c) 2024 Ahmad Baihaqi Esaputra
This work is licensed under a Creative Commons Attribution 4.0 International License.
This work is licensed under a Creative Commons Attribution 4.0 International.
Penulis yang mempublikasikan naskahnya pada Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien) menyetujui ketentuan berikut:
Hak cipta atas artikel apapun dalam Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien) dipegang penuh oleh penulisnya di bawah lisensi Creative Commons Attribution 4.0 International. dengan beberapa ketentuan sebagai berikut:
"Penulis dapat memasukan tulisan secara terpisah, mengatur distribusi non-ekskulif dari naskah yang telah terbit di jurnal ini ke dalam versi yang lain (misal: dikirim ke respository institusi penulis, publikasi ke dalam buku, dll), dengan mengakui bahwa naskah telah terbit pertama kali pada jamien."
"Pembaca diperbolehkan mengunduh, menggunakan, dan mengadopsi isi artikel selama mengutip artikel dengan menyebutkan judul, penulis, dan nama jurnal ini. Pengutipan tersebut dilakukan demi kemajuan ilmu pengetahuan dan kemanusiaan serta tidak boleh melanggar hukum yang berlaku."
.png)
