KONTRIBUSI PERBANKAN SYARIAH TERHADAP STABILITAS EKONOMI DAN PENCAPAIAN SUSTAINABLE DEVELOPMENT GOALS (SDGS) MELALUI PEMBIAYAAN SYARIAH

Authors

  • Richen Shofia Nisa' UIN Sayyid Ali Rahmatullah Tulungagung
  • Ima Kurniawati UIN Sayyid Ali Rahmatullah Tulungagung
  • Muhammad Ritjha UIN Sayyid Ali Rahmatullah Tulungagung
  • Vionika Yolla Pramadita UIN Sayyid Ali Rahmatullah Tulungagung
  • Amalia Nuril Hidayati UIN Sayyid Ali Rahmatullah Tulungagung

DOI:

https://doi.org/10.61722/jiem.v3i12.7369

Keywords:

Islamic Banking, Economic Stability, Sustainable Development Goals (SDGs).

Abstract

This study aims to analyze the contribution of Islamic banking to national economic stability and examine the role of Sharia-based financing in accelerating the achievement of the SDGs in Indonesia. The method employed is a qualitative-descriptive approach through library research. Data were obtained from official publications of national financial institutions, reports from regulators such as the Financial Services Authority (OJK) and Bank Indonesia (BI), as well as relevant academic articles and literature on Islamic banking, economic stability, and the SDGs. The results show that Islamic banking contributes to economic stability through three main mechanisms: (1) reducing speculative risks through asset-based and profit-sharing financing; (2) enhancing financial inclusion by supporting MSMEs and public housing; and (3) strengthening long-term financing through Islamic capital market instruments such as green sukuk. Furthermore, Sharia-based financing supports the achievement of several SDG targets, including poverty alleviation (SDG 1), decent work and economic growth (SDG 8), sustainable cities and communities (SDG 11), and climate action (SDG 13).

References

Abidah, Nur Laila, and Achmad Fageh. “Resiliensi Ekonomi Syariah Di Indonesia Dalam Menggagas Sistem Tangguh Di Masa Depan”, el-Jizya: Jurnal Ekonomi Islam, Vol. 13, No. 1: 151–168, 2025.

Aditya, Rezky, and Bunga Citra Lestari. “Sinergi Pengawasan Syariah Dan Tantangan Regulasi Fintech Dalam Penguatan Tata Kelola Perbankan Syariah Di Indonesia.” JIMU: Jurnal Ilmiah Multidisipliner 3, no. 02: 1177–88, 2025

Adrian I. Siregar, dkk. Diorama Keuangan Berkelanjutan Indonesia : Analekta Ide dan Gagasan dalam Upaya Akselerasi Pengembangan Keuangan Berkelanjutan di Indonesia. Surabaya: Pustaka Saga, 2024

Arif, Saiful, Julia Eka Firmanda, and Nadhirotul Jannah. “Bank Sentral Dan Kebijakan Moneter Islam Yang Sesuai Dengan Prinsip Syariah.” Jurnal Media Akademik (JMA) 2, no. 6, 2024

Budiono, Arief. “Penerapan Prinsip Syariah Pada Lembaga Keuangan Syariah.” Law and Justice 2, no. 1: 54–65, 2017

Lewis, Mervyn K, and Latifa M Algaoud. Perbankan Syariah: Prinsip, Praktik, Dan Prospek. Serambi Ilmu Semesta, 2003.

Malfiandri, Malfiandri, Zulkan Zulkan, and Radimin Radimin. “Menakar Stabilitas Sistem Keuangan Nasional: Analisis Dampak Dual Banking System Di Indonesia.” Jurnal Akuntansi, Keuangan, Perpajakan Dan Tata Kelola Perusahaan 2, no. 4: 1141–50, 2025

Nuraini, Intan Lutfi, Siti Shofiatul Mukarromah, Zulfa Dwi Diana Putri, and Rini Puji Astuti. “Evaluasi Efektivitas Kebijakan Moneter Bank Indonesia Dalam Menjaga Stabilitas Harga Dan Pertumbuhan Ekonomi.” Menulis: Jurnal Penelitian Nusantara 1, no. 5: 207–13, 2025

Pahala, Lamlam. “Analisis Faktor-Faktor Pembiayaan Bagi Hasil Bank Syariah Di Indonesia: Pendekatan Regresi Panel.” Persya: Jurnal Perbankan Syariah 1, no. 1: 5–11, 2025

Putri, Revita Pratama, and Anggun Okta Fitri. “Analisis Kualitatif Atas Kontribusi Perbankan Syariah Terhadap Stabilitas Keuangan: Studi Kasus Bank Syariah Indonesia (BSI).” Jurnal Bersama Ilmu Ekonomi (EKONOM) 1, no. 2: 121–28, 2025

Salam, Rangga, and Dewi Sundari. “Peran Perbankan Syariah Dalam Meningkatkan Stabilitas Ekonomi Nasional.” Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syari’ah, 2025, 497–507.

Tentiyo, Suharto. “Fiqh Perbankan Syariah: Implementasi Skema (Design Contract) Akad Murabaha, Mudharabah, Musyarakah, Ijarah, Hawalah, Kafalah Dan Hiwalah Pada Lembaga Keuangan & Perbankan Syariah Di Indonesia.” JIBF MADINA: Journal Islamic Banking and Finance Madina 6, no. 1 (2025): 58–71.

Usman, Wartoyo Wartoyo, Nur Haida, and Nining Wahyuningsih. “Implementasi Sustainable Development Goals (SDGS) Di Indonesia Perspektif Ekonomi Islam.” Al-Masharif: Jurnal Ilmu Ekonomi Dan Keislaman 12, no. 1: 108–26, 2024

Wibowo, Akhmad Taufiq Satrio. “Analisis Stabilitas Perbankan Syariah Dan Perbankan Konvensional Di Indonesia Tahun 2008-2020.” Universitas Islam Indonesia, 2024.

Widyaningtyas, Dewi Syahera, Heleny Angelina Kusfita Rossa, Naelly Safrilia Suganda, and Binti Nur Asiyah. “Perencanaan Pembayaran Bagi Hasil Dalam Meningkatkan Kepercayaan Investor.” Quranomic: Jurnal Ekonomi Dan Bisnis Islam 4, no. 1: 19–36, 2025.

Wiraguna, Sidi Ahyar, and D Andry Effendy. “Mendorong Transformasi Ekonomi Syariah Di Indonesia: Tantangan Literasi, Inovasi, Dan Regulasi Di Era Digital.” Tijarah: Jurnal Ekonomi Syariah 3, no. 2: 2024

Downloads

Published

2025-12-03

Issue

Vol. 3 No. 12 (2025): Desember

Section

Articles

License

Copyright (c) 2025 JURNAL ILMIAH EKONOMI DAN MANAJEMEN

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.