Analisis Perbankan Syariah di Saudi Arabia
Keywords:
Islamic Banking, Saudi Arabia, Islamic FinanceAbstract
Saudi Arabia is an important center for the development of global Islamic banking, supported by regulatory frameworks and the Vision 2030 policy agenda. This study aims to analyze the development, regulation, performance, driving factors, and challenges of Islamic banking in Saudi Arabia. The method employed is a descriptive qualitative approach through a literature review of relevant sources. The results show that Islamic banking in Saudi Arabia has experienced rapid growth, supported by the religiosity of society, supervision by the Saudi Central Bank (SAMA), and technological innovation. In terms of performance, Islamic banks tend to be more stable and resilient to crises than conventional banks, although conventional banks generally exhibit higher short-term profitability. The main challenges include the absence of national fatwa standardization, limitations in human resources, and fraud risks, making the strengthening of governance and regulatory harmonization a primary necessity.
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