REDEFINING OBJECTIVE OF ISLAMIC BANKING; STAKEHOLDERS PERSPECTIVE IN INDONESIA
DOI:
https://doi.org/10.21580/economica.2015.6.2.795Keywords:
Tujuan Bank Syariah, Perspektif StakeholderAbstract
Bank syariah harus memiliki tujuan yang berbeda bila dibandingkan dengan perbankan konvensional. Perkembangan bank syariah di latar belakang oleh motivasi ekonomi atau sosial. Penelitian ini akan membuktikan apa sebenarnya tujuan pendirian Bank Islam di Indonesia. Penelitian ini menguji data primer yang melibatkan responden yang mewakili pemangku kepentingan Perbankan Syariah; Pelanggan, Deposan, Masyarakat, Manajer Bank Syariah, Karyawan, Regulator dan Dewan Pengawas Syariah. Analisis uji beda digunakan untuk menentukan persepsi responden terhadap berbagai tujuan Perbankan Syariah di Indonesia. Temuan penelitian mengungkapkan bahwa ada perbedaan perspektif antara berbagai stakeholder tentang tujuan perbankan Islam. Secara umum stakeholder mengharapkan agar Perbankan Syariah di Indonesia focus kepada tujuan sosial, tetapi tidak meninggalkan sifat sebagai lembaga komersial. Implikasi praktis bagi bank syariah di Indonesia diharapkan untuk mengikuti keinginan masyarakat untuk terus meningkatkan kepedulian sosial. Kegiatan sosial yang dapat dilakukan oleh Bank Syariah seperti mengurangi tingkat kemiskinan, mempromosikan nilai-nilai Islam dalam bisnis, melaksanakan pembangunan ekonomi yang berkelanjutan. Tuntutan yang tinggi dari tujuan komersial manajer bank syariah (manajer dan karyawan) harus dikurangi dengan meningkatkan peran Dewan Pengawas Syariah. Implikasi dari hasil ini untuk penelitian masa depan adalah untuk menguji hubungan dari pelaksanaan tujuan sosial dengan kinerja keseluruhan dari Bank Syariah.Downloads
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