Transformasi Perbankan dan Lembaga Keuangan di Indonesia: Sinergi Konvensional, Syariah, dan Non-Bank dalam Mewujudkan Keadilan Distributif di Era Digital
DOI:
https://doi.org/10.71282/jurmie.v3i7.2373Keywords:
Conventional banking, Islamic banking, non-bank financial institutions, OJK, distributive justice, digitalization.Abstract
This study aims to analyze the role of conventional banking, Islamic banking, and non-bank financial institutions in supporting Indonesia's economic development, particularly in the context of distributive justice and digital transformation. This research employs a literature review approach by examining regulations, academic journals, and industry reports. The findings reveal that Islamic banks are oriented towards justice and falah principles, conventional banks are profit-oriented through interest-based systems, while non-bank financial institutions expand financial access through insurance, cooperatives, capital markets, and fintech. The synergy of these three institutions, supported by the Financial Services Authority (OJK), is crucial in realizing an inclusive, fair, and sustainable financial system.
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Copyright (c) 2026 Achmarul Fajar, Diana Afriliana, Nur Laili, Nurmalina Anastasya (Author)
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