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The Development of Islamic Financial Instrument: Opportunities and Challenges

Likuid Jurnal Ekonomi Industri Halal · Vol. 4 No. 2 (2024) · hlm. 93–114

DOI
10.15575/likuid.v4i2.35781
ISSN
2797-5967
Terbit
2024-07-31
Penerbit
Sharia Economics Study Program Faculty of Islamic Economics and Business UIN Sunan Gunun
Bahasa
eng

Abstrak

Islamic financial instruments are an integral component of the global economic system, particularly in countries with a majority Muslim population. The growing Muslim population and increased awareness of Islamic compliance are driving the use of Islamic financial instruments as an alternative to conventional options. This study aims to explore the development, challenges, and opportunities of Islamic financial instruments using a descriptive qualitative research approach. Data collection techniques involve literature review with secondary data sourced from academic journals, official publications, and reports on Islamic financial developments from various institutions. The results of this study indicate that there are various Islamic financial instruments, such as murabahah and mudharabah, used for Islamic funding instruments, as well as other instruments for Islamic financing instruments, Islamic savings and deposit instruments, Islamic investment instruments, Islamic insurance instruments, and social Islamic finance instruments. There is also the development of Islamic financial instruments like green sukuk and Islamic financial technology. However, this development faces challenges, including regulatory and policy issues, liquidity challenges, and others. It is hoped that this research will contribute to the expansion of Islamic financial instruments and raise awareness among the public, particularly among academics and practitioners, to address the challenges in Islamic finance.

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  • Universitas Islam Negeri Jurai Siwo Lampung
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Rekan penulisOrganisasiArtikel bersama
Nasrul HakimUniversitas Islam Negeri Jurai Siwo Lampung2
Yudiyanto YudiyantoAfiliasi tidak diketahui2
Evi SopiahAfiliasi tidak diketahui2
Vienna RestianaAfiliasi tidak diketahui1
Tri Andri SetiawanAfiliasi tidak diketahui1
Ahmad FadilahAfiliasi tidak diketahui1
Tika Indri AstutiAfiliasi tidak diketahui1
Adisty WulandariAfiliasi tidak diketahui1
M. Syamsul MaarifAfiliasi tidak diketahui1
Niko EfendiAfiliasi tidak diketahui1
Hifni Septina CarolinaAfiliasi tidak diketahui1
Owin JamasyAfiliasi tidak diketahui1
Imam MustofaAfiliasi tidak diketahui1
Neng Yani NurhayaniAfiliasi tidak diketahui1
Nurkholis MajidAfiliasi tidak diketahui1
Abdul SomadAfiliasi tidak diketahui1
Evita Farcha KamilaAfiliasi tidak diketahui1
Dewi SulastriAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.uinsgd.ac.id/index.php/likuid/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">The Development of Islamic Financial Instrument: Opportunities and Challenges</dc:title>
	<dc:creator>Samudera, Ahmad Bayu</dc:creator>
	<dc:creator>Ismail, Depid</dc:creator>
	<dc:creator>Suhendi, Suhendi</dc:creator>
	<dc:creator>Muslim, Sarip</dc:creator>
	<dc:subject xml:lang="en-US">Islamic Financial Instruments</dc:subject>
	<dc:subject xml:lang="en-US">Development of Islamic Financial Instruments</dc:subject>
	<dc:subject xml:lang="en-US">Islamic Finance Challenges</dc:subject>
	<dc:description xml:lang="en-US">Islamic financial instruments are an integral component of the global economic system, particularly in countries with a majority Muslim population. The growing Muslim population and increased awareness of Islamic compliance are driving the use of Islamic financial instruments as an alternative to conventional options. This study aims to explore the development, challenges, and opportunities of Islamic financial instruments using a descriptive qualitative research approach. Data collection techniques involve literature review with secondary data sourced from academic journals, official publications, and reports on Islamic financial developments from various institutions.  The results of this study indicate that there are various Islamic financial instruments, such as murabahah and mudharabah, used for Islamic funding instruments, as well as other instruments for Islamic financing instruments, Islamic savings and deposit instruments, Islamic investment instruments, Islamic insurance instruments, and social Islamic finance instruments. There is also the development of Islamic financial instruments like green sukuk and Islamic financial technology. However, this development faces challenges, including regulatory and policy issues, liquidity challenges, and others. It is hoped that this research will contribute to the expansion of Islamic financial instruments and raise awareness among the public, particularly among academics and practitioners, to address the challenges in Islamic finance.</dc:description>
	<dc:publisher xml:lang="en-US">Sharia Economics Study Program Faculty of Islamic Economics and Business UIN Sunan Gunun</dc:publisher>
	<dc:date>2024-07-31</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.uinsgd.ac.id/index.php/likuid/article/view/35781</dc:identifier>
	<dc:identifier>10.15575/likuid.v4i2.35781</dc:identifier>
	<dc:source xml:lang="en-US">Likuid Jurnal Ekonomi Industri Halal; Vol. 4 No. 2 (2024): LIKUID: Jurnal Ekonomi Industri Halal; 93-114</dc:source>
	<dc:source>2797-5967</dc:source>
	<dc:source>10.15575/likuid.v4i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.uinsgd.ac.id/index.php/likuid/article/view/35781/pdf</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2024 Ahmad Bayu Samudera</dc:rights>
</oai_dc:dc>