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Bedah Ulang Perbankan Konvensional Versus Perbankan Islam dalam Realitas Sosiologis

Author


Andi Elvira Nurfania(1Mail), Qadir Gassing(2), Abd. Rahman(3),
(1) Pascasarjana Dirasah Islamiyah UIN Alauddin Makassar,
(2) Universitas Islam Negeri Alauddin Makassar,
(3) Universitas Islam Negeri Alauddin Makassar,

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Available online: 2026-01-22  |  Published : 2026-01-22
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Abstract


This article discusses the conceptual differences and sociological realities between conventional banking and Islamic banking in Indonesia. Using a sociological economics approach, the study examines how both banking systems influence social behavior, public perceptions, and their implications for economic structures. The findings indicate that Islamic banking derives its legitimacy from the religious culture of society, while conventional banking gains legitimacy from economic modernization. Despite their differing principles, in social reality both systems experience convergence.

Keywords


conventional banking, Islamic banking, sociological reality, community economy, usury (riba)

References


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