Implementation strategy of technology in optimizing the ijarah contract process in Islamic banks
Abstract
This article aims to explore technology implementation strategies in the Ijarah contract process at Islamic banks to enhance operational efficiency, Sharia compliance, and customer satisfaction. The research method employed is a qualitative approach through library research, involving the analysis of secondary data from scientific journals, books, research reports, and policy documents related to Islamic banking and technology. The analysis is conducted by categorizing information based on the type of technology and its impact on efficiency and Sharia compliance, as well as using descriptive and comparative approaches to identify relevant patterns and relationships. The research findings indicate that the application of technologies such as digital document management systems, electronic signatures, and online platforms can optimize the Ijarah contract process by reducing time and costs while improving transparency and accuracy. However, challenges such as resistance to change and high initial costs must be addressed through training, effective communication, and collaboration with technology providers who understand Sharia principles. This research contributes by offering technology implementation strategies that can strengthen the competitive advantage of Islamic banks in an increasingly digital market and provide in-depth insights for the development of Islamic banking theory and practice.
References
Adha, L. A. (2020). Digitalisasi Industri Dan Pengaruhnya Terhadap Ketenagakerjaan Dan Hubungan Kerja Di Indonesia. Jurnal Kompilasi Hukum, 5(2), Article 2. https://doi.org/10.29303/jkh.v5i2.49
Agniya, M., & MA, P. D. A. (2023). Manajemen Strategi Dalam Meningkatkan Daya Saing Perbankan Syariah. CV Brimedia Global.
Alam, N., Gupta, L., & Zameni, A. (2019). Smart Contract and Islamic Finance. Springer Books, 119–135. https://ideas.repec.org//h/spr/sprchp/978-3-030-24666-2_7.html
Amalia, E. (2016). Keuangan Mikro Syariah. Gramata Publishing, 2016. https://repository.uinjkt.ac.id/dspace/handle/123456789/47328
Anas, A., & Salim, T. A. (2022). Tinjauan literatur sistematis pemanfaatan electronic document management system bagi organisasi dalam menunjang manajemen pengetahuan. Berkala Ilmu Perpustakaan Dan Informasi, 18(2), Article 2. https://doi.org/10.22146/bip.v18i2.5649
Arifin, M. (2020). Sistem Penggajian Guru Dan Tenaga Kependidikan Di Tk. ‘Aisyiyah Bustanul Athfal I Kota Probolinggo Menurut Prinsip-Prinsip Akad Ijarah [Masters, Universitas Muhammadiyah Surabaya]. https://repository.um-surabaya.ac.id/8155/
Azizah, S. N. (2023). The adoption of FinTech and the legal protection of the digital assets in Islamic/Sharia banking linked with economic development: A case of Indonesia. The Journal of World Intellectual Property, 26(1), 30–40. https://doi.org/10.1111/jwip.12257
Azzarqa, A., & Solihah, A. M. (2014). Penerapan Akad Ijarah pada Pembiayaan Multijasa dalam Perspektif Hukum Islam. Az-Zarqa’: Jurnal Hukum Bisnis Islam, 6(1), Article 1. https://doi.org/10.14421/azzarqa.v6i1.1320
Badawi, A. (2025). Digital Transformation in Islamic Banking: Its Impact on Islamic Economics in Indonesia. Al-Muhtarifin: Islamic Banking and Islamic Economic Journal, 4(1), Article 1. https://doi.org/10.30596/almuhtarifin.v1i1.23181
Booth, A., Sutton, A., & Papaioannou, D. (2016). Systematic Approaches to a Successful Literature Review. SAGE.
Braun, V., & and Clarke, V. (2006). Using thematic analysis in psychology. Qualitative Research in Psychology, 3(2), 77–101. https://doi.org/10.1191/1478088706qp063oa
Budianto, T., & Zamzami. (2023). Integrasi Akhlaq dalam Kehidupan Sehari-hari dan Praktik Bisnis Islami: Akhlaq dan Praktik Bisnis Islami. Jurnal Tasyri’ : Jurnal Muamalah Dan Ekonomi Syariah, 5(2), Article 2.
Budiarto, R., Putero, S. H., Suyatna, H., Astuti, P., Saptoadi, H., Ridwan, M. M., & D, B. S. (2018). Pengembangan UMKM Antara Konseptual dan Pengalaman Praktis. UGM PRESS.
Creswell, J. W. (2012). Pendekatan Kualitatif, Kuantitatif, dan Mixed (Penerjemah :Achmad Fawaid). Pustaka Pelajar. http://kin.perpusnas.go.id/DisplayData.aspx?pId=42264&pRegionCode=JIUNMAL&pClientId=111
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008
Desfianti, S., Nurnasrina, N., & Syahfawi, S. (2023). Teknis Pendirian Perbankan Syariah di Indonesia. JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi, 1(4), Article 4. https://doi.org/10.5281/zenodo.10447015
Djamil, F. (2022). Penyelesaian Pembiayaan Bermasalah di Bank Syariah. Sinar Grafika.
Fathori, F. (2024). Strategi Pembiayaan Inovatif: Meningkatkan Akses Modal Bagi Startup Dan Ukm. Investi : Jurnal Investasi Islam, 5(1), Article 1. https://doi.org/10.32806/ivi.v5i1.185
Februari, B., & Yanti, N. (2024). Strategi Pemasaran PT Bank Syariah Indonesia KCP Cemara Asri dalam Menawarkan Produk Pembiayaan Pra Pensiun Guna Menarik Minat Nasabah. Eksis: Jurnal Ilmiah Ekonomi Dan Bisnis, 15(1), Article 1. https://doi.org/10.33087/eksis.v15i1.427
Fitri, W. (2023). Kajian Penerapan Smart Contract Syariah dalam Blockchain: Peluang dan Tantangan. JATISWARA, 38(2), Article 2. https://doi.org/10.29303/jtsw.v38i2.526
Garbo, A. G., & Latifah, H. R. (2024). Optimasi Pelayanan Nasabah Bank Syariah Indonesia Melalui Penggunaan Kecerdasan Buatan. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 9(2), Article 2. https://doi.org/10.30651/jms.v9i2.22128
Habibah, I. I., & Maulida, D. S. (2023). Analisis Efisiensi dDan Keberlanjutan Ekonomi Syariah dalam Konteks Pemilu 2024 di Indonesia: Bibliography Study. Al-Tasyree: Jurnal Bisnis, Keuangan Dan Ekonomi Syariah, 15(02), Article 02. https://doi.org/10.59833/altasyree.v15i02.1520
Harto, B., Rukmana, A. Y., Boari, Y., R, T. L. R. S., Rusliyadi, M., Aldo, D., Juliawati, P., & Dewi, Y. A. (2023). Wirausaha Bidang Teknologi Informasi: Peluang usaha dalam meyongsong era society 5.0. PT. Sonpedia Publishing Indonesia.
Hasan, S., & Mohamed, S. (2024, February 26). Navigating Uncertainty: Global Islamic finance assets expected to exceed 6.7 trillion by 2027. https://www.lseg.com/en/insights/data-analytics/navigating-uncertainty-global-islamic-finance-assets-expected-to-exceed-67-trillion-by-2027
Kurniawan, A. F. (2024). Peran Sistem Informasi dalam Meningkatkan Kualitas Audit Keuangan Pemerintah Daerah. Ekonomis: Journal of Economics and Business, 8(1), Article 1. https://doi.org/10.33087/ekonomis.v8i1.1822
Lewis, M. K., & Algaoud, L. M. (2003). Perbankan Syariah: Prinsip, Pratik, dan Prospek. Serambi Ilmu Semesta.
Mentari, N. C., Ariq, M., & Mulyadi, N. (2024). Keberhasilan Implementasi Prinsip Ekonomi Syariah Pada Lembaga Perbankan di Indonesia. NOMISMA: Jurnal Ekonomi, Bisnis, Dan Manajemen, 2(1), Article 1.
Misra, I., Ragil, M., & Fachreza, M. I. (2021). Manajemen perbankan syariah (konsep dan praktik perbankan syariah di Indonesia) (S. Syarifuddin, Ed.). K-Media. http://digilib.iain-palangkaraya.ac.id/3394/
Mohamed, I., Junyuan, A., & Fasaaha, M. (2024). The Application of Service Ijarah in Islamic Finance. International Journal of Management and Applied Research, 11(1), Article 1. https://www.ijmar.org/v11n1/24-004.html
Nabila Safira, Inayatillah, Rachmi Meutia, Nor ‘Azzah Kamri, & Ku Abdulmuhaimin Yusof. (2025). Fintech Lending Adoption among Muslim Millinials in Southeast Asia. BANCO: Jurnal Manajemen Dan Perbankan Syariah, 7(1). https://doi.org/10.35905/banco.v7i1.11358
Nasution, D. S., & Aminy, M. M. (2020). Fintech Syariah: Teori dan Praktik di Indonesia. UIN Mataram Press.
Pratiwi, A. A., Hakim, N. R., & Putri, H. N. (2023). Hubungan Akuntansi Syariah Dengan Perkembangan Keuangan Syariah Di Era Digital. Religion : Jurnal Agama, Sosial, Dan Budaya, 2(6), Article 6. https://doi.org/10.55606/religion.v1i6.820
Putri, Y., & Martana, I. K. (2021). Prosedur Pembiayaan Kredit Pemilikan Rumah (Kpr) Griya Pada Pt. Bank Syariah Mandiri Kantor Cabang Mayestik Jakarta. Jurnal Administrasi Bisnis, 1(1), Article 1. https://doi.org/10.31294/jab.v1i1.382
Qudah, H., Malahim, S., Airout, R., Alomari, M., Hamour, A. A., & Alqudah, M. (2023). Islamic Finance in the Era of Financial Technology: A Bibliometric Review of Future Trends. International Journal of Financial Studies, 11(2), Article 2. https://doi.org/10.3390/ijfs11020076
Rasyidin, M. K. F. (2020). Analisis Swot Perusahaanteknologi Keuangan Peer-To-Peer Lending (P2pl) Dalam Mengembangkan Umkm Di Indonesia (Studi Pada Perusahaan Danamas, Akseleran, Dan Ammana Fintek Syariah) [bachelorThesis, Fakultas Ekonomi dan Bisnis uin jakarta]. https://repository.uinjkt.ac.id/dspace/handle/123456789/52018
Research and Markets. (2025, January 7). Islamic Finance Analysis/Forecasts Report 2024: Market to Reach $12.45 Billion by 2028, Sharia-Compliant Financial Products Innovate with New Digital Platforms - Forecasts to 2033. GlobeNewswire News Room. https://www.globenewswire.com/news-release/2025/01/07/3005602/28124/en/Islamic-Finance-Analysis-Forecasts-Report-2024-Market-to-Reach-12-45-Billion-by-2028-Sharia-Compliant-Financial-Products-Innovate-with-New-Digital-Platforms-Forecasts-to-2033.html
Rofika, H., Budianto, E. W. H., & Dewi, N. D. T. (2023). Pemetaan penelitian seputar Maybank Syariah dan konvensional: Studi Bibliometrik VOSviewer dan literature review. Jurnal Ekonomi : Journal of Economic, 14(1), Article 1.
Rogers, E. M. (2003). Diffusion of Innovations, 5th Edition. Simon and Schuster.
Saleem, S., Baig, U., Meidute Kavaliauskiene, I., Ul Hassan, M., & Mansor, F. (2022). Attaining Standardization in Islamic Banking Institutions in Pakistan: Analysis on Ijarah Financing. Journal of Risk and Financial Management, 15(10), Article 10. https://doi.org/10.3390/jrfm15100430
Sawiyah Raudhatul Jannah, 221008006. (2024). Pengaruh Sumber Daya Manusia, Infrastruktur Dan Kelembagaan Terhadap Minat Konversi Koperasi Konvensional Ke Entitas Syariah Dengan Pengetahuan Sebagai Variabel Moderasi (Kajian Pada Koperasi Di Kota Banda Aceh) [Other, UIN Ar-Raniry Banda Aceh]. https://repository.ar-raniry.ac.id/id/eprint/37340/
Sholikhul, H. (2021). Tinjauan Hukum Ekonomi Syari’ah Tentang Pelaksanaan Upah Buruh Petik Sawit Dengan Upah Borongan (Studi Kasus di Desa Batu Nangkop Kecamatan Sungkai Tengah Kabupaten Lampung Utara) [Undergraduate, Universitas Islam Negeri Raden Intan Lampung]. http://repository.radenintan.ac.id/13869/
Stubing, D. (2025, May 1). Best Islamic Financial Institutions 2025. Global Finance Magazine. https://gfmag.com/award/award-winners/best-islamic-financial-institutions-2025/
Tamala, E. (2010). Konsep dan aplikasi akad hibah dan jual beli pada Ijarah Muntahiyah Bittamlik (IMBT): Studi komparatif PT. Bank Muamalat Syariah Indonesia dan Bank DKI Syraiah Wahid Hasyim. https://repository.uinjkt.ac.id/dspace/handle/123456789/6043
Tuzuhro, F., Rozaini, N., & Yusuf, M. (2023). Perkembangan Perbankan Syariah Diindonesia. Peka, 11(2), 78–87. https://doi.org/10.25299/peka.2023.vol11(2).15010
Valentina, A. (2021). Analisis Tingkat Kesehatan Metode RGEC Bank Syariah Terhadap Keputusan Investasi. [bachelorThesis, Fakultas Ekonomi dan Bisnis uin jakarta]. https://repository.uinjkt.ac.id/dspace/handle/123456789/60766
Yogatama, A. (2023). Analisis Yuridis Kekuatan Tanda Tangan Elektronik Sebagai Legalitas Ditinjau Dari Undang-Undang Informasi Transaksi Elektronik (Uu Ite) Dan Kitab Undang-Undang Hukum Perdata (Kuh Perdata) [Undergraduate, Universitas Islam Sultan Agung Semarang]. https://repository.unissula.ac.id/31896/
Yusuf, M. S., & Isa, M. Y. (2021). The Impact of Ijarah/Lease Financing on Malaysian Islamic Bank Performance. International Journal of Islamic Business, 6(1), Article 1. https://doi.org/10.32890/ijib2021.6.1.4
Zainatun Mastura, 140603172. (2018). Pengaruh Kualitas Pelayanan dan Kepercayaan Nasabah terhadap Kepuasan Nasabah (Studi pada PT. Bank Aceh Syariah KPO Banda Aceh) [Skripsi, UIN Ar-Raniry Banda Aceh]. http://library.ar-raniry.ac.id/
Agniya, M., & MA, P. D. A. (2023). Manajemen Strategi Dalam Meningkatkan Daya Saing Perbankan Syariah. CV Brimedia Global.
Alam, N., Gupta, L., & Zameni, A. (2019). Smart Contract and Islamic Finance. Springer Books, 119–135. https://ideas.repec.org//h/spr/sprchp/978-3-030-24666-2_7.html
Amalia, E. (2016). Keuangan Mikro Syariah. Gramata Publishing, 2016. https://repository.uinjkt.ac.id/dspace/handle/123456789/47328
Anas, A., & Salim, T. A. (2022). Tinjauan literatur sistematis pemanfaatan electronic document management system bagi organisasi dalam menunjang manajemen pengetahuan. Berkala Ilmu Perpustakaan Dan Informasi, 18(2), Article 2. https://doi.org/10.22146/bip.v18i2.5649
Arifin, M. (2020). Sistem Penggajian Guru Dan Tenaga Kependidikan Di Tk. ‘Aisyiyah Bustanul Athfal I Kota Probolinggo Menurut Prinsip-Prinsip Akad Ijarah [Masters, Universitas Muhammadiyah Surabaya]. https://repository.um-surabaya.ac.id/8155/
Azizah, S. N. (2023). The adoption of FinTech and the legal protection of the digital assets in Islamic/Sharia banking linked with economic development: A case of Indonesia. The Journal of World Intellectual Property, 26(1), 30–40. https://doi.org/10.1111/jwip.12257
Azzarqa, A., & Solihah, A. M. (2014). Penerapan Akad Ijarah pada Pembiayaan Multijasa dalam Perspektif Hukum Islam. Az-Zarqa’: Jurnal Hukum Bisnis Islam, 6(1), Article 1. https://doi.org/10.14421/azzarqa.v6i1.1320
Badawi, A. (2025). Digital Transformation in Islamic Banking: Its Impact on Islamic Economics in Indonesia. Al-Muhtarifin: Islamic Banking and Islamic Economic Journal, 4(1), Article 1. https://doi.org/10.30596/almuhtarifin.v1i1.23181
Booth, A., Sutton, A., & Papaioannou, D. (2016). Systematic Approaches to a Successful Literature Review. SAGE.
Braun, V., & and Clarke, V. (2006). Using thematic analysis in psychology. Qualitative Research in Psychology, 3(2), 77–101. https://doi.org/10.1191/1478088706qp063oa
Budianto, T., & Zamzami. (2023). Integrasi Akhlaq dalam Kehidupan Sehari-hari dan Praktik Bisnis Islami: Akhlaq dan Praktik Bisnis Islami. Jurnal Tasyri’ : Jurnal Muamalah Dan Ekonomi Syariah, 5(2), Article 2.
Budiarto, R., Putero, S. H., Suyatna, H., Astuti, P., Saptoadi, H., Ridwan, M. M., & D, B. S. (2018). Pengembangan UMKM Antara Konseptual dan Pengalaman Praktis. UGM PRESS.
Creswell, J. W. (2012). Pendekatan Kualitatif, Kuantitatif, dan Mixed (Penerjemah :Achmad Fawaid). Pustaka Pelajar. http://kin.perpusnas.go.id/DisplayData.aspx?pId=42264&pRegionCode=JIUNMAL&pClientId=111
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008
Desfianti, S., Nurnasrina, N., & Syahfawi, S. (2023). Teknis Pendirian Perbankan Syariah di Indonesia. JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi, 1(4), Article 4. https://doi.org/10.5281/zenodo.10447015
Djamil, F. (2022). Penyelesaian Pembiayaan Bermasalah di Bank Syariah. Sinar Grafika.
Fathori, F. (2024). Strategi Pembiayaan Inovatif: Meningkatkan Akses Modal Bagi Startup Dan Ukm. Investi : Jurnal Investasi Islam, 5(1), Article 1. https://doi.org/10.32806/ivi.v5i1.185
Februari, B., & Yanti, N. (2024). Strategi Pemasaran PT Bank Syariah Indonesia KCP Cemara Asri dalam Menawarkan Produk Pembiayaan Pra Pensiun Guna Menarik Minat Nasabah. Eksis: Jurnal Ilmiah Ekonomi Dan Bisnis, 15(1), Article 1. https://doi.org/10.33087/eksis.v15i1.427
Fitri, W. (2023). Kajian Penerapan Smart Contract Syariah dalam Blockchain: Peluang dan Tantangan. JATISWARA, 38(2), Article 2. https://doi.org/10.29303/jtsw.v38i2.526
Garbo, A. G., & Latifah, H. R. (2024). Optimasi Pelayanan Nasabah Bank Syariah Indonesia Melalui Penggunaan Kecerdasan Buatan. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 9(2), Article 2. https://doi.org/10.30651/jms.v9i2.22128
Habibah, I. I., & Maulida, D. S. (2023). Analisis Efisiensi dDan Keberlanjutan Ekonomi Syariah dalam Konteks Pemilu 2024 di Indonesia: Bibliography Study. Al-Tasyree: Jurnal Bisnis, Keuangan Dan Ekonomi Syariah, 15(02), Article 02. https://doi.org/10.59833/altasyree.v15i02.1520
Harto, B., Rukmana, A. Y., Boari, Y., R, T. L. R. S., Rusliyadi, M., Aldo, D., Juliawati, P., & Dewi, Y. A. (2023). Wirausaha Bidang Teknologi Informasi: Peluang usaha dalam meyongsong era society 5.0. PT. Sonpedia Publishing Indonesia.
Hasan, S., & Mohamed, S. (2024, February 26). Navigating Uncertainty: Global Islamic finance assets expected to exceed 6.7 trillion by 2027. https://www.lseg.com/en/insights/data-analytics/navigating-uncertainty-global-islamic-finance-assets-expected-to-exceed-67-trillion-by-2027
Kurniawan, A. F. (2024). Peran Sistem Informasi dalam Meningkatkan Kualitas Audit Keuangan Pemerintah Daerah. Ekonomis: Journal of Economics and Business, 8(1), Article 1. https://doi.org/10.33087/ekonomis.v8i1.1822
Lewis, M. K., & Algaoud, L. M. (2003). Perbankan Syariah: Prinsip, Pratik, dan Prospek. Serambi Ilmu Semesta.
Mentari, N. C., Ariq, M., & Mulyadi, N. (2024). Keberhasilan Implementasi Prinsip Ekonomi Syariah Pada Lembaga Perbankan di Indonesia. NOMISMA: Jurnal Ekonomi, Bisnis, Dan Manajemen, 2(1), Article 1.
Misra, I., Ragil, M., & Fachreza, M. I. (2021). Manajemen perbankan syariah (konsep dan praktik perbankan syariah di Indonesia) (S. Syarifuddin, Ed.). K-Media. http://digilib.iain-palangkaraya.ac.id/3394/
Mohamed, I., Junyuan, A., & Fasaaha, M. (2024). The Application of Service Ijarah in Islamic Finance. International Journal of Management and Applied Research, 11(1), Article 1. https://www.ijmar.org/v11n1/24-004.html
Nabila Safira, Inayatillah, Rachmi Meutia, Nor ‘Azzah Kamri, & Ku Abdulmuhaimin Yusof. (2025). Fintech Lending Adoption among Muslim Millinials in Southeast Asia. BANCO: Jurnal Manajemen Dan Perbankan Syariah, 7(1). https://doi.org/10.35905/banco.v7i1.11358
Nasution, D. S., & Aminy, M. M. (2020). Fintech Syariah: Teori dan Praktik di Indonesia. UIN Mataram Press.
Pratiwi, A. A., Hakim, N. R., & Putri, H. N. (2023). Hubungan Akuntansi Syariah Dengan Perkembangan Keuangan Syariah Di Era Digital. Religion : Jurnal Agama, Sosial, Dan Budaya, 2(6), Article 6. https://doi.org/10.55606/religion.v1i6.820
Putri, Y., & Martana, I. K. (2021). Prosedur Pembiayaan Kredit Pemilikan Rumah (Kpr) Griya Pada Pt. Bank Syariah Mandiri Kantor Cabang Mayestik Jakarta. Jurnal Administrasi Bisnis, 1(1), Article 1. https://doi.org/10.31294/jab.v1i1.382
Qudah, H., Malahim, S., Airout, R., Alomari, M., Hamour, A. A., & Alqudah, M. (2023). Islamic Finance in the Era of Financial Technology: A Bibliometric Review of Future Trends. International Journal of Financial Studies, 11(2), Article 2. https://doi.org/10.3390/ijfs11020076
Rasyidin, M. K. F. (2020). Analisis Swot Perusahaanteknologi Keuangan Peer-To-Peer Lending (P2pl) Dalam Mengembangkan Umkm Di Indonesia (Studi Pada Perusahaan Danamas, Akseleran, Dan Ammana Fintek Syariah) [bachelorThesis, Fakultas Ekonomi dan Bisnis uin jakarta]. https://repository.uinjkt.ac.id/dspace/handle/123456789/52018
Research and Markets. (2025, January 7). Islamic Finance Analysis/Forecasts Report 2024: Market to Reach $12.45 Billion by 2028, Sharia-Compliant Financial Products Innovate with New Digital Platforms - Forecasts to 2033. GlobeNewswire News Room. https://www.globenewswire.com/news-release/2025/01/07/3005602/28124/en/Islamic-Finance-Analysis-Forecasts-Report-2024-Market-to-Reach-12-45-Billion-by-2028-Sharia-Compliant-Financial-Products-Innovate-with-New-Digital-Platforms-Forecasts-to-2033.html
Rofika, H., Budianto, E. W. H., & Dewi, N. D. T. (2023). Pemetaan penelitian seputar Maybank Syariah dan konvensional: Studi Bibliometrik VOSviewer dan literature review. Jurnal Ekonomi : Journal of Economic, 14(1), Article 1.
Rogers, E. M. (2003). Diffusion of Innovations, 5th Edition. Simon and Schuster.
Saleem, S., Baig, U., Meidute Kavaliauskiene, I., Ul Hassan, M., & Mansor, F. (2022). Attaining Standardization in Islamic Banking Institutions in Pakistan: Analysis on Ijarah Financing. Journal of Risk and Financial Management, 15(10), Article 10. https://doi.org/10.3390/jrfm15100430
Sawiyah Raudhatul Jannah, 221008006. (2024). Pengaruh Sumber Daya Manusia, Infrastruktur Dan Kelembagaan Terhadap Minat Konversi Koperasi Konvensional Ke Entitas Syariah Dengan Pengetahuan Sebagai Variabel Moderasi (Kajian Pada Koperasi Di Kota Banda Aceh) [Other, UIN Ar-Raniry Banda Aceh]. https://repository.ar-raniry.ac.id/id/eprint/37340/
Sholikhul, H. (2021). Tinjauan Hukum Ekonomi Syari’ah Tentang Pelaksanaan Upah Buruh Petik Sawit Dengan Upah Borongan (Studi Kasus di Desa Batu Nangkop Kecamatan Sungkai Tengah Kabupaten Lampung Utara) [Undergraduate, Universitas Islam Negeri Raden Intan Lampung]. http://repository.radenintan.ac.id/13869/
Stubing, D. (2025, May 1). Best Islamic Financial Institutions 2025. Global Finance Magazine. https://gfmag.com/award/award-winners/best-islamic-financial-institutions-2025/
Tamala, E. (2010). Konsep dan aplikasi akad hibah dan jual beli pada Ijarah Muntahiyah Bittamlik (IMBT): Studi komparatif PT. Bank Muamalat Syariah Indonesia dan Bank DKI Syraiah Wahid Hasyim. https://repository.uinjkt.ac.id/dspace/handle/123456789/6043
Tuzuhro, F., Rozaini, N., & Yusuf, M. (2023). Perkembangan Perbankan Syariah Diindonesia. Peka, 11(2), 78–87. https://doi.org/10.25299/peka.2023.vol11(2).15010
Valentina, A. (2021). Analisis Tingkat Kesehatan Metode RGEC Bank Syariah Terhadap Keputusan Investasi. [bachelorThesis, Fakultas Ekonomi dan Bisnis uin jakarta]. https://repository.uinjkt.ac.id/dspace/handle/123456789/60766
Yogatama, A. (2023). Analisis Yuridis Kekuatan Tanda Tangan Elektronik Sebagai Legalitas Ditinjau Dari Undang-Undang Informasi Transaksi Elektronik (Uu Ite) Dan Kitab Undang-Undang Hukum Perdata (Kuh Perdata) [Undergraduate, Universitas Islam Sultan Agung Semarang]. https://repository.unissula.ac.id/31896/
Yusuf, M. S., & Isa, M. Y. (2021). The Impact of Ijarah/Lease Financing on Malaysian Islamic Bank Performance. International Journal of Islamic Business, 6(1), Article 1. https://doi.org/10.32890/ijib2021.6.1.4
Zainatun Mastura, 140603172. (2018). Pengaruh Kualitas Pelayanan dan Kepercayaan Nasabah terhadap Kepuasan Nasabah (Studi pada PT. Bank Aceh Syariah KPO Banda Aceh) [Skripsi, UIN Ar-Raniry Banda Aceh]. http://library.ar-raniry.ac.id/
Authors
Baiq Diana Putri, Saroji, R. P., & Hermawati, H. (2025). Implementation strategy of technology in optimizing the ijarah contract process in Islamic banks. Asy-Syari’ah : Jurnal Hukum Islam, 11(2), 278–288. https://doi.org/10.55210/assyariah.v11i2.1968
Copyright (c) 2025 Baiq Diana Putri, Romi Putra Saroji, Hermawati Hermawati
This work is licensed under a Creative Commons Attribution 4.0 International License.