ISLAMIC BANKING STRATEGY IN FACING THE NEW NORMAL ERA DURING THE COVID 19

Mutiah Khaira Sihotang, Hasanah Hasanah

Abstract


Covid 19 has impact on the world economy without exception for Indonesia. Banks have the most important role in the economy and have also felt a huge impact with the corona virus that broke out at the end of 2019. This caused the economic sector, including banking, to think about how to survive the conditions of Covid 19 which were hitting. Islamic banking establishes new policies in order to continue to exist in this very worrying condition. This type of research is a library research with qualitative data analysis. The results showed that there was a decline in several aspects experienced by Islamic banking, including an increase in the NPF, decrease in customers applying for financing and decrease in demand for Islamic bank products. For this reason, Islamic banks decided to establish a new strategy in facing the new normal during the pandemic. Several strategies that must be carried out in order to survive in this new normal era include restructuring financing, spurring growth by selecting businesses that are still developing, digitizing banking services, providing assistance to UMKM players, and making innovations both in terms of services and products.

Keywords: Islamic banking strategy, new normal era, covid 19.

Full Text:

PDF

References


Brigham, Eugene F. and Joel F. Houston, 2009. Dasar-Dasar Manajemen Keuangan, alih bahasa Ali Akbar Yulianto, Buku satu, Edisi sepuluh. Jakarta : PT. Salemba Empat.

Fatkhur Rohman Albanjari,2020. Implementasi Kebijakan Peraturan Otoritas Jasa Keuangan (POJK) No. 11/POJK.03/2020 Dalam Menekan Non Performing Financing (NPF) pada Perbankan Syaria, Jurnal Eksyar (Ekonomi Syariah), 7 (1): 24-36.

Isra Hayati, 2019. Pengaruh Dimensi Kualitas Jasa Terhadap Kepuasan Nasabah (Studi Kasus Pada Bank Syariah Mandiri Kantor Cabang Pembantu Padang Bulan Medan), Aghniya Jurnal Ekonomi Islam, 1 (2): 234-250.

Kasmir. 2012. Analisis Laporan Keuangan. Cetakan Kelima. Jakarta: PT Raja Grafindo Persada.

Mardhiyaturrositaningsih, Muhammad Syarqim Mahfudz, 2020. Dampak Pandemi Covid-19 Terhadap Industri Perbankan Syariah: Analisis Komparatif. POINT (Jurnal Ekonomi dan Manajemen), 2 (1): 1-10

Nurul Fitri Habibah, 2020. Tantangan dan Strategi Bank Syariah dalam Menghadapi Covid-19, Iqtishodiah (Jurnal Ekonomi dan Perbankan Syariah), 2 (1): 1-9

Nur Rianto Al Arif, Yuke Rahmawati, 2018. Manajemen Risiko Perbankan Syariah. Bandung: Pustaka Setia.

Nur Riyanto, M, 2012. Dasar-Dasar Pemasaran Bank Syariah. Bandung: Alfabeta.

Nailul Mona, 2020. Konsep Isolasi Dalam Jaringan Untuk Meminimalisasi Efek Contagious (Kasus Penyebaran Virus Corona di Indonesia), Jurnal Humaniora Terapan, 2 (2):117-125

Rahmayati, 2018. Sinergi dan Optimalisasi Green Banking Perbankan Syariah Dalam Mewujudkan Suistainable Finance. EKONOMIKAWAN (Jurnal Ekonomi dan Studi Pembangunan), 18 (1): 33-52

Pradesyah, R. (2017). Analisis Pengaruh Non Performing Loan, Dana Pihak Ketiga Terhadap Akad Pembiayaan Mudharabah di Bank Syariah. Intiqad (Jurnal Agama Pendidikan Islam), 9(1), 93-111.

Pradesyah, R., & Aulia, N. (2020). Pengaruh Pembiayaan Murabahah dan Musyarakah Terhadap Profitabilitas Pada PT. Bank Syariah Mandiri. Aghniya : Jurnal Ekonomi Islam, 3(1), 731-743.

Pradesyah, R. (2019). Analisis Pengaruh Deposito Mudharabah dan Tabungan Mudharabah Terhadap Pemberian Pembiayaan UMKM di Bank Syariah Indonesia. Al-Muamalat Jurnal Hukum dan Ekonomi Syariah, 4 (2), 141-157.

Sutrisno. 2009. Manajemen Keuangan Teori, Konsep dan Aplikasi, Edisi Pertama, Cetakan Ketujuh, Penerbit Ekonisia, Yogyakarta.

Siti Zulaekhah, 2018. Model Mitigasi Risiko pada Lembaga Penjamin Kredit di I ndonesia? , Jurnal- Mimbar Hukum, Vol.30, No.2.

Shomad, Abd, 2012. Transaksi Bank Syariah. Jakarta: PT Bumi Aksara.

Uswah Hasanah, 2014. Riba dan Bunga dalam Perspektif Fiqh. Wahana Inovasi, 3 (1): 15-22


Refbacks

  • There are currently no refbacks.