Kredit Bank Syariah dan Konvensional Banks Pada Masa Ketidakpastian
Abstract
Kondisis Ketidakpastian ekonomi memiliki pengaruh terhadap pengambilan keputusan dalam hal memberi dan mencari pinjaman sehingga berpengaruh pada pertumbuhan bank syariah maupun konvensional, Industri keuangan Syariah mengalami pertumbuhan pesat dalam Aset perbankan Syariah global telah meningkat dari USD 1,3 triliun pada tahun 2012 menjadi USD 1,76 triliun pada tahun 2018 dan diperkirakan mencapai USD 2,175 triliun pada tahun 2024, bank syariah pada umumnya memiliki pertumbuhan kredit yang lebih stabil pada masa krisis daripada bank konvensional stabilitas bank syariah ini ditermukan karena dasar dari fitur yang ada pada bank syariah seperti larangan bunga, kegiatan spekulatif dan risiko berlebihan. Sehingga peneliti tertarik untuk melakukan penelitian terkait Kredit Bank Syariah dan Konvensional Banks Pada Masa Ketidakpastian dengan tujuan ingin mengetahui bank yang lebih kuat dalam kredit pada masa ketidakpastian. Penelitian ini menggunakan metode pendekatan studi literatur. Jenis data yang digunakan dalam penelitian ini menggunakan jenis data sekunder yang bersumber dari buku, artikel, jurnal, dan website yang berkaitan dengan Kredit Bank Syariah dan Konvensional Banks. Peneliti menyimpulkan bahwa bank syariah dapat bertahan dan terus mengalami pertumbuhan. Hal tersebut dapat dilihat dari bank syariah lebih cenderung memberikan pinjaman baru dan keputusan pemberian pinjaman. Serta bank syariah memiliki resiko kredit yang lebih rendah dibandingkan dengan bank konvensional.
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