ANALISIS EFEKTIVITAS LEMBAGA KEUANGAN SYARIAH DALAM MENINGKATKAN KESEJAHTERAAN UMAT

Nafia Sismita; MHD. Nanang Hidayat; Muhammad Albahi

doi:10.56489/307hrn29

Penulis

Nafia Sismita UIN Suska Riau
MHD. Nanang Hidayat UIN Suska Riau
Muhammad Albahi UIN Suska Riau

DOI:

https://doi.org/10.56489/307hrn29

Kata Kunci:

Lembaga Keuangan Syariah, Kesejahteraan Umat, Keuangan Islam, Efektivitas, Pemberdayaan Ekonomi

Abstrak

This study aims to analyze the effectiveness of Islamic Financial Institutions (LKS) in improving people's welfare through economic, social, and compliance approaches to sharia principles. LKS not only function as financial intermediary institutions, but also have a strategic role in empowering the community's economy based on Islamic values. The method used in this study is a qualitative-descriptive study with a literature study approach and secondary data analysis from official reports of Islamic financial institutions and regulators. The results of the analysis show that LKS contribute positively to increasing access to financing, strengthening micro and small businesses, and managing social funds such as zakat and waqf which have a direct impact on community welfare. However, the effectiveness of LKS is still faced with various challenges such as low Islamic financial literacy, limited access in rural areas, and the less than optimal utilization of Islamic social financial instruments. Therefore, synergy is needed between LKS, regulators, and the community in strengthening the role of LKS as an instrument of socio-economic transformation of the community.

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