Efektivitas Manajemen Syariah dalam Meningkatkan Kinerja Lembaga Keuangan Islam
Abstract
This study aims to examine the effectiveness of Sharia management in enhancing the performance of Islamic financial institutions. Utilizing qualitative methods and a literature review approach, this research delves into how the implementation of human resource management (HRM) and oversight by the Sharia Supervisory Board (SSB) contribute to the improved performance of Islamic financial institutions. The findings indicate that HRM in Islamic financial institutions, which includes recruitment, training, performance evaluation, and incentive systems, not only focuses on achieving financial targets but also emphasizes the importance of compliance with Sharia principles. Effective HRM implementation has been proven to enhance service quality, customer satisfaction, and adherence to Sharia principles, all of which positively impact the institution's performance. On the other hand, the effectiveness of oversight by the SSB in ensuring Islamic financial institutions' compliance with Sharia principles is found to be a critical factor in determining financial performance and strengthening customer trust. The SSB plays a vital role in auditing and evaluating the products and operations of the institution to ensure there are no deviations from Sharia law that could damage the institution's integrity or reputation. This research confirms that effective Sharia management and stringent oversight by the SSB not only support financial growth but also strengthen the ethical and moral foundations of Islamic financial institutions, which are crucial in maintaining customer trust and loyalty. Therefore, strict implementation of Sharia principles and effective oversight by the SSB are key to the sustainability and success of Islamic financial institutions in the long term.
Keywords
References
Akbar, Firman Muhammad Abdurrohman. 2020. “ANALISIS TANTANGAN DAN PELUANG PENGEMBANGAN UMKM HALAL DALAM ERA PASAR NASIONAL.” Zhafir: Journal of Islamic Economics, Finance, and Banking 2 (2): 105–30.
Akbar, Firman Muhammad Abdurrohman, Bambang Dwi Hartono, and Adina Rosidta. 2021. “PEMETAAN RESIKO PADA PEMBIAYAAN ISTISHNA’BMT RUKUN ABADI UNTUK PERUMAHAN SUBSIDI DI GRIYA WONOSARI.” Zhafir: Journal of Islamic Economics, Finance, and Banking 3 (1): 25–36.
Akbar, Firman Muhammad Abdurrohman, Adina Rosidta, and Afried Lazuardi. 2024. “PENGEMBANGAN MODEL PEMBIAYAAN SYARIAH UNTUK USAHA MIKRO, KECIL, DAN MENENGAH (UMKM).” Ar Rasyiid: Journal of Islamic Studies 2 (1): 29–38.
Akbar, Firman Muhammad Abdurrohman, and Muhammad Sularno. 2024. “Membangun Budaya Organisasi Islami Melalui Internalisasi Nilai-Nilai Syariah Dalam Manajemen Sumber Daya Manusia.” Aliansi: Jurnal Manajemen Dan Bisnis 19 (1).
Arafah, Adinda, Dwi Anggraini, and Sabilla Cahya Kinanti. 2024. “Implementasi Prinsip-Prinsip Syariah Pada Lembaga Keuangan Syariah.” Studia Economica: Jurnal Ekonomi Islam, no. 2: 186–93.
Bank Syariah Indonesia. 2021. Laporan Tahunan BSI. Jakarta.
———. 2022. Laporan Tahunan BSI. Jakarta.
Damayanti, Damayanti, and Nurofik Nurofik. 2024. “Pengaruh Karakteristik Dewan Komisaris Terhadap Kinerja Keuangan Bank Syariah Dengan Dewan Pengawas Syariah Sebagai Variabel Moderasi.” Sekolah Tinggi Ilmu Ekonomi YKPN Yogyakarta.
Darmaya, Wenny. 2018. “Analisis Penetapan Margin Pada Pembiayaan Murabahah Dan Nisbah Bagi Hasil Pada Pembiayaan Mudharabah Di BMT Al-Ittihad Cabang Pekanbaru.” Universitas Islam Riau.
Dhia, Dhia, Fitri Utami, and Pipit Afifah. 2024. “Analisis Kurangnya Minat Berbagai Kelompok Masyarakat Depok Terhadap Produk Perbankan Syariah.” Co-Value Jurnal Ekonomi Koperasi Dan Kewirausahaan 15 (5).
Hakim, Lukman, and Muhammad Birusman Nuryadin. 2024. “Nilai-Nilai Islam Dalam Kebijakan Ekonomi Modern: Pemikiran Umer Chapra.” Maro: Jurnal Ekonomi Syariah Dan Bisnis 7 (2): 339–49.
Melani, Ratri Melani Sumberwati, Dheo Rimbano, Revita Mery Anggraini, Dendi Saputra, Ari Septa Pratama, Ridolian Saputra, Arum Elfanisa Winanggi, and Bima Satrio Utama. 2025. “Pengaruh Strategi Manajemen, Kualitas SDM, Dan Persepsi Terhadap Kinerja Keuangan (Studi Literatur Pada Perusahaan Keuangan).” Journal of Accounting, Management, Economics, and Business (ANALYSIS) 3 (1): 59–76.
Norrahman, Rezki Akbar. 2023. “Peran Fintech Dalam Transformasi Sektor Keuangan Syariah.” JIBEMA: Jurnal Ilmu Bisnis, Ekonomi, Manajemen, Dan Akuntansi 1 (2): 101–26.
Practices, S A Board for People and. 2019. “Fact Sheet Fact Sheet.” Nursing and Midwifery Board of Australia 035 (September): 1–3. https://www.ahpra.gov.au/documents/default.aspx?record=WD23/33305&dbid=AP&chksum=FsI3w/FXn0MSIRmBC5WlEQ==.
Purba, Aisyah Amelia, Noer Natasya, and Mawwadah Irham. 2025. “Strategi Penghimpunan Dana Pihak Ketiga Pada Bank Syariah Menggunakan Metode Kualitatif Deskripsi.” Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-Commerce 4 (1): 137–59.
Putri, Liana, and Miswan Ansori. 2024. “Implementasi Indeks Maqashid Syariah Dalam Penilaian Kinerja Operasional Di BMT Al Hikmah Semesta.” Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah 9 (4).
Rahman, Yunita Rhamadhanty. 2024. “Analisis Kinerja Dewan Pengawas Syariah Dalam Meningkatkan Kualitas Audit Pada Perbankan Syariah.” IAIN ParePare.
Saputra, Edy. 2023. “MITIGASI RISIKO KEPATUHAN BANK SYARIAH TERHADAP PRINSIP SYARIAH.” AL-IQTISHAD: Jurnal Perbankan Syariah Dan Ekonomi Islam 1 (1): 23–33.
Sari, DIAN PITA. 2019. “Analisis Strategi Pengembangan Sumber Daya Manusia Dalam Upaya Peningkatan Kinerja Karyawan Pada Bank Syariah Mandiri KCP Medan Pulo Brayan (Doctoral Dissertation).”
Savitri, Dewi, and Madian Muhammad Muchlis. 2024. “IMPLEMENTASI PRINSIP-PRINSIP HUKUM EKONOMI ISLAM DALAM SISTEM KEUANGAN NEGARA.” Musytari: Neraca Manajemen, Akuntansi, Dan Ekonomi 4 (3): 1–18.
Setiawan, Jaka, Rieno Faturrahman, and Sarpini Sarpini. 2025. “Penerapan Etika Bisnis Di Industri Perbankan Syariah: Tantangan Dan Peluang.” Wawasan: Jurnal Ilmu Manajemen, Ekonomi Dan Kewirausahaan 3 (1): 187–96.
Sharif, Norazira, and Hairunnizam Wahid. 2019. “Aplikasi Konsep Wakalah Dalam Pembayaran Zakat Simpanan: Kajian Di Bank Islam Malaysia Berhad (BIMB): An Application of Wakalah Concept In Payment of Zakat for Saving: A Study at Bank Islam Malaysia Berhad (BIMB).” Journal of Fatwa Management and Research, 333–54.
Sukoco, Sugeng, Satria Tirtayasa, and Hazmanan Khair Pasaribu. 2020. “Kepemimpinan, Insentif Dan Pelatihan Terhadap Kinerja Karyawan Pada Kantor Bank Syariah Mandiri Cabang Pematang Siantar.” Jurnal Manajemen Bisnis 17 (2): 224. https://doi.org/10.38043/jmb.v17i2.2368.
Syarif, Ahmad. 2022. “Pengaruh Insentif Dan Pelatihan Terhadap Kinerja Karyawan Bank Syariah Syariah Mandiri Kantor Cabang Balikpapan.” Optimal: Jurnal Ekonomi Dan Kewirausahaan 15 (1): 104–17. https://doi.org/10.33558/optimal.v15i1.2729.
Wulandari, Fitri. 2018. “Strategi Pengembangan Produk BMT Hira Dalam Meningkatkan Keunggulan Bersaing.” Repository.Usd.Ac.Id. UIN RADEN MAS SAID. https://repository.unsri.ac.id/12539/.
DOI: 10.15408/kordinat.v24i2.45376
Refbacks
- There are currently no refbacks.