Strategi Penyaluran Dana Pada Bank Syariah
Keywords:
islamic bank, fund distribution, financing risk, , portfolio diversification, expansion strategyAbstract
This research aims to examine the fund distribution strategy in Islamic banking, which includes the concept of fund distribution, types of financing, financing feasibility analysis, portfolio diversification, financing risk, and expansion strategy. Islamic banks act as financial intermediaries that channel public funds through various Sharia-compliant contracts such as murabahah, mudharabah, musyarakah, ijarah, and istishna, all based on Islamic principles. The method used is a descriptive qualitative approach with a library research technique, analyzing various scientific journals and literature from the last five years. The focus of the study is directed at evaluating the effectiveness of fund distribution strategies in supporting optimal financing while maintaining the financial stability of Islamic banks.The results show that Islamic bank financing distribution plays an important role in encouraging the growth of MSMEs (Micro, Small, and Medium Enterprises) and strengthening the Sharia-based economy. However, several challenges still exist, such as non-performing financing (NPF) risk, low Islamic financial literacy, and limited innovation in financing products. Therefore, the application of financing feasibility analysis based on the 5C+1S principle, portfolio diversification, and effective risk management are key factors in maintaining financing quality. In addition, expansion strategies through optimizing Third Party Funds (TPF), digitalization of services, and increasing productive sector financing also play an important role in expanding the market share of Islamic banks. In conclusion, the success of fund distribution strategies in Islamic banking is highly dependent on the synergy between risk management, financing diversification, and well-directed expansion strategies. Proper implementation of these strategies not only enhances financial stability but also strengthens competitiveness and supports the sustainability of the Islamic banking industry in Indonesia.
References
Afkar, T., & Purwanto, T. (2021). Penyaluran Dana Bank Syariah Melalui Pembiayaan Murabahah, Istishna, dan Ijarah Sebelum dan Selama Pandemi Covid 19. Jurnal Ilmiah Ekonomi Islam, 7(2), 900-907.
Wahyudi, A., Abduh, T., & Karim, A. (2025). Analisis Sistem Kelayakan Penyaluran Pembiayaan Pada Bank Sulselbar Unit Usaha Syariah. Journal of Economy Business Development, 3(3), 313-319.
Rizki, I. K., Fatekhah, P. S., & Ali, M. M. (2024). Implementasi prinsip kehati-hatian dalam penyaluran pembiayaan di bank syariah. JIOSE: Journal of Indonesian Sharia Economics, 3(1), 63-78.
Patrisia, A. E. (2025). Manajemen risiko akad pembiayaan (mudharabah dan musyarakah) pada bank syariah indonesia (bsi) periode 2022-2024 menggunakan pendekatan value at risk (var) metode variance-covarian. Maliki Interdisciplinary Journal, 3(12), 2052-2061.
Purba, D. S., Permatasari, P. D., Tanjung, N., Rahayu, P., Fitriani, R., & Wulandari, S. (2025). Analisis perkembangan ekonomi digital dalam meningkatkan pertumbuhan ekonomi di Indonesia. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 10(1).
Aranita, H. D., Fakhruddin, I., Pramono, H., & Pratama, B. C. (2022). PENGARUH JENIS PRODUK PEMBIAYAAN DAN DANA PIHAK KETIGA TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH INDONESIA: THE INFLUENCE OF TYPES OF FINANCING PRODUCTS AND THIRD PARTY FUNDS ON PROFITABILITY IN INDONESIAN ISLAMIC BANK. NISBAH: Jurnal Perbankan Syariah, 8(2), 138-155.
Rahmawati, H. A., Rohmah, H. Z., Marsheila, C. D., & Asiyah, B. N. (2024). Penerapan Analisis Kelayakan Pembiayaan 5C+ 1S untuk Meminimalisir Pembiayaan Bermasalah pada Bank Syariah Indonesia (BSI). Jurnal Iqtisaduna, 10(2), 510-523.
Kusumawati, D., Azis, M. T., & Tatmimah, I. (2026). Pengaruh Kualitas Pembiayaan Dan Manajemen Risiko Terhadap Kinerja Keuangan Bank Umum Syariah Di Indonesia Tahun 2020-2024. Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi, 5(1), 37-52.
Nafhisya, W., Srivani, M., & Ayu, P. (2023). Analisis Pengaruh Inflasi, Non Performing Financing (NPF), dan Dana Pihak Ketiga (DPK) Terhadap Tingkat Pembiayaan Murabahah Pada Bank Syariah di Indonesia Periode 2013-2022. Jurnal Ekuilnomi, 5(2), 206-215.
Sitompul, M. H., & Sudiarti, S. (2024). Strategi Peningkatan Penyaluran Pembiayaan Mudharabah Pada Bank Syariah di Indonesia. Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 9(4).
Dz, A. S. (2018). Inklusi keuangan perbankan syariah berbasis digital-banking: Optimalisasi dan tantangan. Al-Amwal: Jurnal Ekonomi dan Perbankan Syari'ah, 10(1), 63-80.
Agustin, D. N., Nainggolan, R. H., & Nabilah, W. S. (2025). PENYALURAN DANA BANK SYARIAH: KONSEP, IMPLEMENTASI, DAN TANTANGAN KONTEMPORER. Musytari: Jurnal Manajemen, Akuntansi, dan Ekonomi, 23(2), 81-90.
Aranita, H. D., Fakhruddin, I., Pramono, H., & Pratama, B. C. (2022). PENGARUH JENIS PRODUK PEMBIAYAAN DAN DANA PIHAK KETIGA TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH INDONESIA: THE INFLUENCE OF TYPES OF FINANCING PRODUCTS AND THIRD PARTY FUNDS ON PROFITABILITY IN INDONESIAN ISLAMIC BANK. NISBAH: Jurnal Perbankan Syariah, 8(2), 138-155.
Aisyah, D. D. (2024). Analisis strategi diversifikasi Bank Syariah Indonesia. Maliki Interdisciplinary Journal, 2(12).
Ayusaleha, A., & Laila, N. (2022). Diversifications, Bank Characteristics, and Profitability of Sharia Commercial Banks in Indonesia'. Journal of Islamic Economics Theory and Application, 9(3), 299-309.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Rafly Bagus Prasetia, Andrean Putra Harianto, Najma Azzahra Putri, Siti Patimah, Ahmad Hazaz Syarif
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Penulis memberikan hak cipta karyanya kepada jurnal Brilliant yang dilisensikan dengan Attribution-ShareAlike 4.0 International (CC BY-SA 4.0) yang memungkinkan orang lain untuk menggunakan karya dengan pengakuan kepengarangan karya dan publikasi awal dalam jurnal ini.
