RESILIENSI DAN INOVASI PERBANKAN SYARIAH DALAM MENGHADAPI DINAMIKA EKONOMI DI ERA TRANSFORMASI DIGITAL

Abstract

Islamic banking is required to adapt to technological developments and changing economic conditions. This study aims to analyze the resilience and innovation strategies of Islamic banking in the era of digital transformation. The study employs a descriptive qualitative approach using a case study method on Micro, Small, and Medium Enterprises (MSMEs) in Kediri City that utilize Islamic banking services. The findings indicate that digital transformation, strengthened risk management, and the development of Sharia-based services are important strategies for improving the competitiveness and sustainability of Islamic banking. Therefore, innovation that remains consistent with Sharia principles is essential in addressing future economic challenges.