Peran Produk Bank Syariah dalam Meningkatkan Inklusi Keuangan Masyarakat: Studi kasus pada Bank Syariah Indonesia (BSI) KCP Panyabungan

Authors

  • Ahmad fadhli Sekolah Tinggi Agama Islam Negeri Mandailing Natal
  • Jureid Sekolah Tinggi Agama Islam Negeri Mandailing Natal
  • Novi yanti safitri pulungan Sekolah Tinggi Agama Islam Negeri Mandailing Natal
  • Rina sari Sekolah Tinggi Agama Islam Negeri Mandailing Natal
  • Kholidatun Napisah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

DOI:

https://doi.org/10.30651/jms.v11i1.29464

Abstract

Penelitian ini menganalisis peran produk Bank Syariah Indonesia (BSI) dalam mendorong inklusi keuangan melalui pendanaan, pembiayaan, dan layanan jasa. Menggunakan metode deskriptif kualitatif berbasis data sekunder dari BSI, OJK, Bank Indonesia, serta publikasi ilmiah periode 2023–2025, studi ini menilai kontribusi BSI pada perluasan akses keuangan syariah. Temuan menunjukkan bahwa peningkatan Dana Pihak Ketiga, perluasan pembiayaan UMKM, dan optimalisasi layanan digital seperti BSI Mobile berperan signifikan dalam mempermudah akses layanan keuangan. Namun, di Panyabungan, perkembangan tersebut masih terkendala oleh rendahnya literasi keuangan syariah dan keterbatasan infrastruktur digital, sehingga pemanfaatan produk belum merata. Keterbatasan data cabang menyebabkan analisis mengacu pada data nasional sebagai dasar. Secara keseluruhan, efektivitas peran produk BSI sangat ditentukan oleh kesiapan masyarakat dan dukungan infrastruktur lokal.

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Published

2026-02-04

How to Cite

Ahmad fadhli, Jureid, Novi yanti safitri pulungan, Rina sari, & Kholidatun Napisah. (2026). Peran Produk Bank Syariah dalam Meningkatkan Inklusi Keuangan Masyarakat: Studi kasus pada Bank Syariah Indonesia (BSI) KCP Panyabungan. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(1). https://doi.org/10.30651/jms.v11i1.29464

Issue

Vol. 11 No. 1 (2026)

Section

Artikel

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