Pembangunan produk perbankan syariah di Indonesia dalam perspektif pelaku perbankan syariah
The islamic banking products have not been regarded as a necessity by the most of the population, including the muslim community. The public assessed that the product developed by islamic banking is unable to compete with conventional banking one. The absence of development and innovation of sharia...
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| Format: | Thesis |
| Language: | eng eng |
| Published: |
2022
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| Subjects: | |
| Online Access: | https://etd.uum.edu.my/10571/1/Depositpermission_s94979.pdf https://etd.uum.edu.my/10571/2/s94979_01.pdf |
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| Summary: | The islamic banking products have not been regarded as a necessity by the most of the population, including the muslim community. The public assessed that the product developed by islamic banking is unable to compete with conventional banking one. The absence of development and innovation of sharia product causes customers not to find something different between Islamic and conventional products. This study aims to; i) Knowing how the concept of the sharia product development and its implementation in the Islamic banking in Indonesia; ii) Knowing the role of sharia supervisory institutions in the development of Islamic products in the Islamic banking in Indonesia and; iii) Answering how is the response and reaction of islamic banking customers concerning with sharia products in Indonesia. This research is qualitative research with a case study approach. The data analysis techniques used were general inductive approach and content analysis. The procedures used to gather data were library research and field work involving interview and document analysis. The results of this study concluded that; i) There is no fundamental difference between both conventional and Islamic banking product development procedures. The difference is that it lies in the obligation to fulfill the sharia aspects of all the products being developed. Fulfilling of the business and sharia aspects is the main strategy for Islamic banking actors in the establishment of sharia products. The balance of the both is a determinant factor for the success or failure of Islamic products developed by both in the local market and between nations; ii) The role of the National Sharia Council has a very important position in the developing process of sharia products, considering that it is the only institution that can provide fatwas on sharia products produced by sharia banking. With the ability and competence, this sharia institution not only oversee the implementation of sharia fatwas, but it is actively involved in formulating and developing sharia products together with functionaries in charge of product development that are available in Islamic banking; iii). User response to the implementation of sharia product development is that the product developed by Islamic banking are still unable to compete with conventional banking one. Hence, the absence of sharia product innovation causes customers not to receive something different between Islamic products and conventional products. This study contributes to policy makers and industry players in the best practices of shariah banking product development and innovation. |
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