Pengaruh Penerapan Prinsip-Prinsip Syariah dalam Strategi Manajemen Keuangan pada Bank Syariah di Indonesia

Abstract

Islamic banking in Indonesia has experienced significant growth over the past few decades. The application of Sharia principles in financial management strategies has become a key factor driving the development of the Islamic banking industry. This journal aims to analyze the impact of applying Sharia principles on financial management strategies in Islamic banks in Indonesia. The research method used is a qualitative approach with case studies on several leading Islamic banks in Indonesia. The findings indicate that the application of Sharia principles, such as the prohibition of riba (interest), profit-sharing principles, and asset-based financing, significantly influences the financial management strategies of Islamic banks, including aspects such as product offerings, risk management, and corporate governance.