PERAN PERBANKAN SYARIAH TERHADAP INKLUSI KEUANGAN : TREN GLOBAL DALAM LITERATUR TERKINI
DOI:
https://doi.org/10.35905/sipakainge.v3i1.14400Keywords:
Perbankan Syariah Inklusi keuangan literasi s=yariah Tren Global Keuangan InklusifAbstract
Islamic banking has experienced rapid global growth and is considered a strategic instrument for promoting financial inclusion, especially in regions with significant Muslim populations and low access to financial services. This article aims to examine the latest literature on the contribution of Islamic banking to expanding financial inclusion, highlighting global trends, challenges, and policy directions. The method used is a systematic literature review of indexed scientific journals. The results show that Islamic banking plays a significant role in advancing financial inclusion through product innovation, Islamic microfinance, and digitalization. However, challenges remain in terms of financial literacy, regulatory limitations, and the integration of Islamic social finance services. This study offers new insights into the development of Islamic banking as an inclusive financial instrument.8References
/Ibrahim, T., & Qamar, A. (2022). Financial inclusion through Islamic social finance instruments. International Journal of Ethics and Finance, 9(3), 128–141.
Islamic Development Bank. (2022). Islamic finance and inclusive growth: Annual report 2022. https://www.isdb.org/publication/islamic-finance-2022
Khan, M. A., & Karim, D. (2020). Islamic microfinance models and financial inclusion: A comparative study. Asian Journal of Islamic Finance, 6(4), 210–227.
Latif, S. R., & Huda, M. (2023). Synergizing fintech and Islamic banking for inclusive growth. Fintech and Ethics Review, 5(1), 88–101.
Lestari, D., & Ahmad, Z. (2022). Islamic bank-based financial services and their reach in rural areas. Journal of Rural Finance and Inclusion, 7(2), 55–70.
Mansur, S., & Firdaus, A. (2020). Exploring the role of waqf in inclusive development: A systematic review. Islamic Social Finance Review, 8(3), 140–158.
Muneer, M., & Saleh, A. (2021). Shariah-compliant digital banking and access to finance. International Review of Islamic Finance, 10(2), 75–90.
Rahmawati, H., & Nasution, A. (2023). Determinants of inclusive Islamic banking in Southeast Asia. Southeast Asian Journal of Islamic Economics, 11(1), 22–38.
Roslan, R., & Azmi, N. (2020). The role of Islamic banking products in promoting financial inclusion. Malaysian Journal of Islamic Finance, 12(1), 100–114.
Umar, F., & Rauf, A. (2021). Shariah governance and its impact on inclusive financial practices. International Journal of Islamic Policy Research, 4(2), 34–50.
Yusuf, M. I., & Nabila, R. (2024). Leveraging digital waqf for micro-entrepreneurial support. Journal of Islamic Fintech Studies, 6(1), 19–35.
Aisha R., & Rahman, F. (2023). Enhancing Islamic financial literacy to foster financial inclusion in Muslim communities. (2023). Enhancing Islamic Financial Literacy to Foster Financial Inclusion in Muslim Communities. International Journal of Islamic Finance.
Aulia L. F., & Rachmawati, S. (2021). Zakat and waqf integration in Islamic microfinance for financial inclusion. F., & Rachmawati, S. (2021). Zakat and Waqf Integration in Islamic Microfinance for Financial Inclusion. Journal of Islamic Economics and Philanthropy.
Basri Y., & Yusuf, H. (2022). The effectiveness of Islamic banking in promoting inclusive finance: Evidence from emerging economies. (2022). The Effectiveness of Islamic Banking in Promoting Inclusive Finance: Evidence from Emerging Economies. Islamic Economic Studies.
Demirgüç-Kunt, A., Klapper, L., Singer, D., & Ansar, S. (2021). The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19. World Bank. https://globalfindex.worldbank.org
Fathi M., & Kamal, N. (2023). Digital transformation in Islamic banking: A pathway to financial inclusion. (2023). Digital Transformation in Islamic Banking: A Pathway to Financial Inclusion. Journal of Fintech and Islamic Finance.
Habib R., & Noor, I. (2024). Regulatory convergence for Islamic finance: Challenges and prospects. (2024). Regulatory Convergence for Islamic Finance: Challenges and Prospects. Journal of Global Islamic Policy.
Hasan M., & Abdullah, S. (2021). Islamic banking and financial inclusion: A cross-country analysis. (2021). Islamic Banking and Financial Inclusion: A Cross-Country Analysis. Journal of Islamic Economics and Finance.
Khalil M., & Nour, M. (2024). The role of Islamic banks in expanding financial access among the unbanked. (2024). The Role of Islamic Banks in Expanding Financial Access among the Unbanked. Global Review of Islamic Banking.
Syed S., & Basri, N. (2022). Government policy and Islamic banking support for inclusive finance. (2022). Government Policy and Islamic Banking Support for Inclusive Finance. Journal of Islamic Development Policy.
World Bank. (2022). Global Findex Database 2022: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19.
Zulkifli M., F. A., & Sari, N. (2020). Fragmentation of Islamic financial services and its effect on financial inclusion. (2020). Fragmentation of Islamic Financial Services and Its Effect on Financial Inclusion. Journal of Islamic Finance and Policy.
Islamic Development Bank. (2022). Islamic finance and inclusive growth: Annual report 2022. https://www.isdb.org/publication/islamic-finance-2022
Khan, M. A., & Karim, D. (2020). Islamic microfinance models and financial inclusion: A comparative study. Asian Journal of Islamic Finance, 6(4), 210–227.
Latif, S. R., & Huda, M. (2023). Synergizing fintech and Islamic banking for inclusive growth. Fintech and Ethics Review, 5(1), 88–101.
Lestari, D., & Ahmad, Z. (2022). Islamic bank-based financial services and their reach in rural areas. Journal of Rural Finance and Inclusion, 7(2), 55–70.
Mansur, S., & Firdaus, A. (2020). Exploring the role of waqf in inclusive development: A systematic review. Islamic Social Finance Review, 8(3), 140–158.
Muneer, M., & Saleh, A. (2021). Shariah-compliant digital banking and access to finance. International Review of Islamic Finance, 10(2), 75–90.
Rahmawati, H., & Nasution, A. (2023). Determinants of inclusive Islamic banking in Southeast Asia. Southeast Asian Journal of Islamic Economics, 11(1), 22–38.
Roslan, R., & Azmi, N. (2020). The role of Islamic banking products in promoting financial inclusion. Malaysian Journal of Islamic Finance, 12(1), 100–114.
Umar, F., & Rauf, A. (2021). Shariah governance and its impact on inclusive financial practices. International Journal of Islamic Policy Research, 4(2), 34–50.
Yusuf, M. I., & Nabila, R. (2024). Leveraging digital waqf for micro-entrepreneurial support. Journal of Islamic Fintech Studies, 6(1), 19–35.
Aisha R., & Rahman, F. (2023). Enhancing Islamic financial literacy to foster financial inclusion in Muslim communities. (2023). Enhancing Islamic Financial Literacy to Foster Financial Inclusion in Muslim Communities. International Journal of Islamic Finance.
Aulia L. F., & Rachmawati, S. (2021). Zakat and waqf integration in Islamic microfinance for financial inclusion. F., & Rachmawati, S. (2021). Zakat and Waqf Integration in Islamic Microfinance for Financial Inclusion. Journal of Islamic Economics and Philanthropy.
Basri Y., & Yusuf, H. (2022). The effectiveness of Islamic banking in promoting inclusive finance: Evidence from emerging economies. (2022). The Effectiveness of Islamic Banking in Promoting Inclusive Finance: Evidence from Emerging Economies. Islamic Economic Studies.
Demirgüç-Kunt, A., Klapper, L., Singer, D., & Ansar, S. (2021). The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19. World Bank. https://globalfindex.worldbank.org
Fathi M., & Kamal, N. (2023). Digital transformation in Islamic banking: A pathway to financial inclusion. (2023). Digital Transformation in Islamic Banking: A Pathway to Financial Inclusion. Journal of Fintech and Islamic Finance.
Habib R., & Noor, I. (2024). Regulatory convergence for Islamic finance: Challenges and prospects. (2024). Regulatory Convergence for Islamic Finance: Challenges and Prospects. Journal of Global Islamic Policy.
Hasan M., & Abdullah, S. (2021). Islamic banking and financial inclusion: A cross-country analysis. (2021). Islamic Banking and Financial Inclusion: A Cross-Country Analysis. Journal of Islamic Economics and Finance.
Khalil M., & Nour, M. (2024). The role of Islamic banks in expanding financial access among the unbanked. (2024). The Role of Islamic Banks in Expanding Financial Access among the Unbanked. Global Review of Islamic Banking.
Syed S., & Basri, N. (2022). Government policy and Islamic banking support for inclusive finance. (2022). Government Policy and Islamic Banking Support for Inclusive Finance. Journal of Islamic Development Policy.
World Bank. (2022). Global Findex Database 2022: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19.
Zulkifli M., F. A., & Sari, N. (2020). Fragmentation of Islamic financial services and its effect on financial inclusion. (2020). Fragmentation of Islamic Financial Services and Its Effect on Financial Inclusion. Journal of Islamic Finance and Policy.
Downloads
Published
2025-10-01
Issue
Section
Articles
