Inklusi Keuangan Perbankan Syariah Berbasis Digital-Banking: Optimalisasi dan Tantangan

Abdus Salam Dz.(1*),


(1) 
(*) Corresponding Author

Abstract


AbstrakKehadiran dan praktik bank syari’ah di Indonesia hampir tiga dekade, tetapi perkembangan bisnisnya tidak sebanding dengan waktu yang telah dilaluinya. Pada akhir tahun 2016, perkembangan bank syariah mencapai 19,67 persen, dengan pangsa pasar 5,12 persen. Pencapaian ini jelas tidak seimbang dengan potensi negara ini. Beberapa penyebabnya adalah produk dan jasa syariah yang diterima oleh nasabah, jarak ke lokasi bank terdekat, biaya yang tinggi untuk transaksi dengan volume kecil, informasi yang terbatas, tingkat pengetahuan syariah yang rendah, pendapatan yang rendah, dan antrian yang panjang ketika bertransaksi secara langsung. Ini adalah bukti dari rendahnya tingkat literasi dan inklusi keuangan syariah, masing-masing 8,11 persen dan 11,06 persen. Penting untuk mengoptimalkan inovasi untuk menyelesaikan kesenjangan layanan dengan menempatkan teknologi informasi dan komunikasi melalui digitalisasi layanan sehingga hubungan antar bank dengan masyarakat menjadi lebih dekat, hemat, efisien, cepat, dan murah. Kata Kunci: Inklusi Keuangan, Perbankan Syariah, Digital Banking     AbstractThe presence and practice of sharia banks in Indonesia has been almost three decades, but the development of its business is still not comparable with the time that has been passed. By the end of 2016, the growth of sharia banking has reached 19.67 percent, with the market share of sharia banking at 5.12 percent. This achievement is clearly not comparable with the potential of this nation. Some of the causes are Sharia products and services are perceived by the people, the distance to the nearest bank office location, the high cost for small volume transactions, limited information, low level of sharia knowledge, the low-income, plus the long queue when the transaction is direct. This is evident from the low level of literacy and inclusion of Islamic finance, each of only 8.11 percent and 11.06 percent. It is necessary to optimize innovation to solve the service gap by placing information and communication technology through service digitization so that the inter-bank relationship with the community becomes closer, thrifty, efficient, quick and cheap. Keywords: Financial Inclusion, Sharia Banking, Digital Banking 

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DOI: http://dx.doi.org/10.24235/amwal.v10i1.2813

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