Dari Hadis ke Praktik Perbandingan Resiliensi Bank Syariah dan Konvensional dalam Masa Krisis
DOI:
https://doi.org/10.21093/q33gg775Keywords:
conventional, hadith, shariaAbstract
This article discusses the comparative resilience between Islamic banks and conventional banks during two major crises: the 2008 global financial crisis and the 2020 COVID-19 pandemic. This study uses a qualitative-descriptive method with a library approach, analyzing secondary data from financial reports, hadith literature, and publications from official institutions. The results of the study show that Islamic banks show more stable performance in key indicators such as Non-Performing Financing (NPF), Return on Assets (ROA), Capital Adequacy Ratio (CAR), asset growth, and liquidity. This superiority is supported by Islamic principles such as the prohibition of usury, gharar, and maisir, as well as the implementation of real asset-based contracts such as murabahah, mudharabah, and musyarakah. Ethical values in the hadith of the Prophet Muhammad SAW such as amanah, honesty, and justice help shape a more prudent and sustainable financial system. Thus, Islamic banks are not only structurally superior in dealing with crises, but also offer financial solutions based on Islamic spiritual and social ethics.
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Eka, Afani, Syah Putri, Sri Wahyuni, Suryo Budi Santoso, dan Siti Nur Azizah. “Analisisi Perbandingan Kinerja Keuangan Perbankan Konvensional dan Perbankan Syariah Pada Masa Pandemi Covid-19.†Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah 8, no. 30 (2023): 570–87.
Hidayah, Nur, Ainun Zamilah, dan Sofyan Rizal. “The Resilience of Sharia and Conventional Banks in Indonesia during the Covid-19 Pandemic Crisis.†Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) 13, no. 2 (2021): 209–28. https://doi.org/10.15408/aiq.v13i2.23964.
Kato, Takeshi. “Islamic and capitalist economies : Comparison using econophysics models of wealth exchange and redistribution.†Comparison of Islamic and capitalist economies 02, no. 01 (2022): 1–17. https://doi.org/10.1371/journal.pone.0275113.
Kirana, Rosita Putri, dan Ajeng Kartika Galuh. “Analisis Kinerja Keuangan Perbankan Syariah di Indonesia Sebelum dan Selama Masa Pandemi Covid-19.†Journal Of Develoment Economic and Social Studies 2er, no. 2 (2023): 341–49.
Kurniawan, Yogi, dan Mufti Arief Arfiansyah. “Analisis Komparasi Kinerja Keuangan Bank Syariah dengan Bank Non Syariah di Indonesia.†Journal of Sharia Economics 6, no. 1 (2024): 131–51.
Malik, Adnan, Dr. Karim Ullah, Dr. Shakir Ullah, dan Assistant. Knowledge Diffusion Process & Common Islamic Banking Governance Principles: Integrative Perspective (s) of Managers and Shariah Scholars A, 2022.
Muhayatsyah, Ali. “Etika Bisnis dalam Perspektif Pemikiran Al-Ghazali Islamic Business Ethics In Al-Ghazali’s Perspective.†AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah 2, no. 2 (2020): 84–104.
Muna, Naily El. “Nilai-Nilai Etika Bisnis Islam Sebagai Pondasi Pengembangan PT. Bank Syariah Indonesia (Perspektif Hukum Islam dan Global Compact).†BISEI: Jurnal Bisnis dan Ekonomi Islam 06, no. 01 (2021): 63–73.
Mustabsyirah, Askari Zakariah, dan Novita. “Analisis Perbandingan Kinerja Keuangan Bank Syariah dan Bank Konvesuonal.†Maslahah: Jurnal Manajemen dan Ekonomi Syariah 2, no. 4 (2024).
Ningsih, Ekawati Rahayu. “Studi Eksplorasi Penerapan Etika Bisnis Pada Perbangkan Syaria’ah di Indonesia.†Iqtishadia Jurnal Kajian Ekonomi dan Bisnis Islam 10, no. 01 (2017): 1–22.
Performance, Merger, dan Siti Mutmainah. “Resilence Reincforced: An In-Depth Analysis Of Bank Syariah Indonesia’s Post Merger Performance.†Jurnal Akuntansi dan Bisnis 24, no. 1 (2024): 137–56.
Qardhawi, Yusuf A L. “Etika Bisnis Islam dalam Pemikiran Yusuf Al-Qardhawi.†Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah 9, no. 204 (2024): 2908–16.
Rohimah, Wasilatur, dan Ulfi Kartika Oktaviana. “The Determinants of Financial Stability of Islamic Banks in ASEAN.†Journal of Islamic Economics and Finance Studies Volume 5, no. 1 (2024): 26–41.
Rois, Adib Khusnul, dan Didik Sugianto. “Kekuatan Perbankan Syariah di Masa Krisis.†MUSYARAKAH: Journal of Sharia Economics (MJSE) 1, no. 1 (2021): 1–8.
Sabzian, Hossein, Alireza Aliahmadi, Adel Azar, dan Madjid Mirzaee. “Economic inequality and Islamic Charity : An exploratory agent-based modeling approach.†wealth inequality 03, no. 02 (2022): 1–13.
Santoso, Suryo Budi, dan Herni Justiana Astuti. “A Framework for Conceptualizing Islamic Bank Socialization in Indonesia.†Journal of Critical Reviews 6, no. 4 (2019): 43–47.
Sari, Dwi Jayanti Ratna Kumala, dan Atika Zahra Maulida. “Implementasi Etika Bisnis dalam Meningkatkan Kualitas Kepada Nasabah di Perbangkan Syariah.†El-Arbah: Jurnal Ekonomi 05, no. 03 (2023): 1–14.
Zareta, Diana Lisa Anggraini, Abd. Ghafur, dan Moh. Samsul Arifin. “Analisis Perbandingan Kinerja Keuangan Bank Konvensional Dengan Bank Syariah.†Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (Jebma) 04, no. 01 (2024): 352–59.
Zubairi, Acmad, dan Yusril Haza Mahendra. “Analisis Perbandingan Kinerja Keuangan Bank Syariah dan Bank Konvesional Pada Masa Krisis Ekonomi Global.†Jurnal Al-Idara 4, no. 2 (2023): 74–81.
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2024-06-29
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