DAYA TARIK BANK SYARIAH DITILIK DARI ISLAMICITY PERFORMANCE INDEKS DAN DUKUNGAN REGULASI

Liana Dewi, Eneng Nenden Listia Ningsih, Rijalul Khaer, Nurul Azmi, Wulan Wulan

Abstract


Since the beginning of the operation of Islamic banks in Indonesia in the 1990s, there has been significant progress in the Indonesian banking world. Islamic banks are growing rapidly day by day. The development is evident from the increasing number of Islamic banks. With various developments that have occurred, the number of Islamic bank customers in Indonesia is lower than the number of conventional bank customers. This study aims to conduct further studies in order to determine strategies to increase the attractiveness of Islamic banks. The Islamicity performance index is a measuring tool commonly used to determine the level of progress of Islamic banks, in this study the Islamicity performance index will be used as a basis for determining the contributing factors to the attractiveness of Islamic banks. This study will also examine the factors that increase the attractiveness of Islamic banks based on regulatory support. This study uses a mix method to study the supporting factors of the attractiveness of Islamic banks. The quantitative method is applied to the use of the Islamicity performance index while the qualitative method is used to explore the supporting factors of the attractiveness of Islamic banks in terms of regulatory support. The Islamicity performance index is calculated by calculating the ratio while the normative legal approach will be carried out in the analysis of regulatory support. The research sample is a sharia general bank that received the best performance predicate in the sharia bank category in 2024. The sharia bank is the result of the merger of 3 sharia general banks in January 2021. The results of the study found that based on the results of the IPI calculation and POJK analysis, sharia banks can increase their attractiveness in terms of social aspects, aspects of product and service conformity with sharia principles and aspects of security for customers and prospective customers.

Keywords


Islamicity performance index, Islamic banks, POJK, Attraction, mix method

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DOI: https://doi.org/10.61141/pabean.v7i2.727

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