THE ROLE OF SHARIA FINANCIAL INSTRUMENTS IN PROMOTING NATIONAL ECONOMIC STABILITY
SHARIA FINANCIAL INSTRUMENTS
DOI:
https://doi.org/10.65778/atjebi.v4i2.56Keywords:
Blockchain, wakaf, Teknologi InformasiAbstract
Islamic financial instruments play a vital role in maintaining national economic stability through principles of justice, partnership, and linkage to the real sector. This study employs a descriptive qualitative method using literature review to analyze the contribution of four key instruments: Islamic banking, Islamic capital markets and sukuk, productive zakat and waqf, and Islamic microfinance institutions. The results show that these instruments complement one another in strengthening the real sector, expanding financial inclusion, and reducing economic inequality. Their synergy creates a more resilient, equitable, and sustainable financial system, making it a key pillar of Indonesia’s economic stability.
Keywords: Islamic finance, economic stability, sukuk, productive waqf, Islamic microfinance institutions.
References
Antonio, M. Syafi’i. 2001. Bank Syariah: Dari Teori ke Praktik. Jakarta: Gema Insani Press.
Ascarya. 2013. Akad dan Produk Bank Syariah. Jakarta: Rajawali Pers.
Badan Wakaf Indonesia (BWI). 2024. Laporan Tahunan Pengelolaan Wakaf Produktif. Jakarta: BWI.
Gusnawati & Elma. 2025. Instrumen Keuangan Syariah. Makalah, Program Pascasarjana IAIN Parepare.
Hendra, A Soemitra, ZM Nawawi, M Rizal, MF Rahmadana. (2025) Redefining Network Marketing: A Maqashid Shariah-Based Business Model For Community Prosperity. International Journal of Environmental Sciences 11 (6), 2025.
Juhro, Solikin M., Ferry Syarifuddin, & Ali Sakti. 2020. Ekonomi Moneter Islam: Suatu Pengantar. Depok: Rajawali Pers.
Karim, Adiwarman A. 2013. Bank Islam: Analisis Fiqih dan Keuangan. Jakarta: Rajawali Pers.
Kaswinata, Muhammad Ramadhan, Muhammad Rizal, Muhammad Fitri Rahmadana, 2025. A Model for Empowering Micro, Small and Medium Enterproces (MSMEs) Through Sharia-Compliant Financing in Regional Developman Bank. International Journal of Environmental Sciences, 887-897, 2025.
Muhammad Rizal et al, 2025 “ Buku Ajar Akuntansi Syariah” Penerbit CV.LARISPA. https://www.larispa.co.id/segera-terbit-buku-akuntansi-syariah/
Muhammad Rizal, Muhammad Ramadhan, Nurlaila , Kamila, Saparuddin Siregar, 2024
Social Responsibility Orientation of Banking in Indonesia (Case Study on Islamic Banking in North Sumatra).Journal Of Ecohumanism 3 (03), 22-47, 2024.
Otoritas Jasa Keuangan (OJK). 2025. Statistik Keuangan Syariah Nasional 2025. Jakarta: OJK.
Republik Indonesia. 2008a. Undang-Undang Nomor 21 Tahun 2008 tentang Perbankan Syariah. Jakarta: Sekretariat Negara.
Republik Indonesia. 2008b. Undang-Undang Nomor 19 Tahun 2008 tentang Surat Berharga Syariah Negara (SBSN). Jakarta: Sekretariat Negara.
Soemitra, Andri. 2014. Bank dan Lembaga Keuangan Syariah. Jakarta: Kencana Prenada Media Group.


