Optimalisasi Penerapan Akad Salam dan Istisna dalam Perbankan Syariah: Tantangan, Strategi, dan Implikasi Operasional
Abstract
Penelitian ini bertujuan untuk mengidentifikasi dan menganalisis kendala yang dihadapi dalam penerapan akad Salam dan Istisna di bank syariah, serta merumuskan strategi yang dapat meningkatkan efektivitas penerapannya. Pendekatan kualitatif dengan metode studi kasus digunakan untuk mendapatkan pemahaman mendalam mengenai fenomena ini. Data dikumpulkan melalui wawancara mendalam dengan delapan informan kunci yang terdiri dari manajer area, customer service, marketing lending, dosen atau praktisi syariah, appraisal bank syariah, asisten manajer syariah, dan nasabah bank syariah, serta melalui observasi dan dokumentasi. Hasil penelitian menunjukkan bahwa kendala utama dalam penerapan akad Salam dan Istisna mencakup masalah regulasi, kurangnya literasi masyarakat, dan tantangan operasional terkait infrastruktur dan pengembangan produk. Rekomendasi strategis yang dihasilkan mencakup peningkatan edukasi dan literasi masyarakat, pengembangan produk yang inovatif dan sesuai dengan prinsip syariah, serta peningkatan kolaborasi antara bank syariah dan regulator. Implikasi dari penelitian ini menunjukkan bahwa optimalisasi penerapan akad Salam dan Istisna dapat memperkuat daya saing bank syariah di pasar dan memastikan kepatuhan terhadap prinsip-prinsip syariah.
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DOI: http://dx.doi.org/10.35931/aq.v19i2.4100
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