Akselerasi Ekosistem Pariwisata Halal Global : Peran Strategis Bank Syariah dalam Pembiayaan Infrastruktur dan Integrasi Digital
DOI:
https://doi.org/10.55123/jumintal.v5i1.8135Keywords:
Islamic banks, halal tourism, infrastructure financing, digital integration, halal ecosystemAbstract
Global halal tourism is growing rapidly but is hindered by limited infrastructure and constrained access to Sharia financing. This study analyzes the strategic role of Islamic banks as financiers and digital integration innovators within the halal tourism ecosystem. Using a descriptive-qualitative literature research method, the study reveals three main findings. First, Islamic banks play a dual role as funding providers (via musyarakah and mudharabah) and ecosystem developers. Second, digitalization via AI and blockchain is a key catalyst for operational efficiency and end-to-end service integration. Third, integrating Islamic finance and tourism through digital platforms strengthens the competitiveness of global halal destinations. In conclusion, accelerating this ecosystem requires cross-sectoral collaboration supported by financing innovations and digitalization.
Downloads
References
Adlini, M.N. et al. (2022) “Metode Penelitian Kualitatif Studi Pustaka,” Jurnal Edumaspul, 6(1), pp. 974–980.
Almunawar, M.N., Musa, S.F.P.D. and Ab Talib, M.S. (2026) “Collaborative Networks in Halal Tourism: A Business Ecosystem Perspective,” Journal of Islamic Marketing, pp. 1–26. Available at: https://doi.org/10.1108/JIMA-12-2025-0799.
Ameraldo, F., Saiful, S. and Husaini, H. (2019) “Islamic Banking Strategies in Rural Area: Developing Halal Tourism and Enhancing the Local Welfare,” Ikonomika, 4(1), pp. 109–136. Available at: https://doi.org/10.24042/FEBI.V4I1.4211.
Annizar, R.A. and Junarsin, E. (2025) “Mudharabah, Musyarakah, Financing Risk, and Performance of Islamic Banks: Empirical Evidence from Indonesia,” Jurnal Ekonomi & Keuangan Islam, pp. 131–142. Available at: https://doi.org/10.20885/jeki.vol11.iss1.art9.
Asmy, M. et al. (2020) Leveraging Islamic Banking and Finance for Small Businesses: Exploring the Conceptual and Practical Dimensions. Asian Development Bank Institute. Available at: https://www.adb.org/publications/leveraging-islamic-banking-finance-.
Bank Syariah Indonesia (2024) BSI Catat Kenaikan Signifikan Tabungan Haji, Buktikan Kepercayaan Nasabah - Berita | Bank Syariah Indonesia. Available at: https://www.bankbsi.co.id/news-update/berita/bsi-catat-kenaikan-signifikan-tabungan-haji-buktikan-kepercayaan-nasabah (Accessed: April 26, 2026).
Battour, M. et al. (2024) “The Current State of Published Literature on Halal Tourism and Hospitality: A Bibliometric Review,” Journal of Islamic Marketing, 15(4), pp. 963–989. Available at: https://doi.org/10.1108/JIMA-02-2023-0054.
Crescent Rating (2024) Bridging Journeys Spotlight on RIDA Framework and Accessible Travel in GMTI 2024.
Crescent Rating (2025) Global Muslim Travel Index (GMTI) | CrescentRating. Available at: https://crescentrating.com/insights/gmti (Accessed: April 26, 2026).
Farah, A.A. et al. (2025) “Impact of Islamic Banking on Economic Growth: A Systematic Review of Scopus-Indexed Studies (2009–2024),” Cogent Economics & Finance, 13(1). Available at: https://doi.org/10.1080/23322039.2025.2490819.
Fauzi, M.A. and Battour, M. (2025) “Halal and Islamic Tourism: Science Mapping of Present and Future Trends,” Tourism Review, 80(5), pp. 1156–1170. Available at: https://doi.org/10.1108/TR-08-2023-0533.
Fayyadh, A.F. et al. (2025) “Pemikiran Ekonomi Islam dalam Era Kontemporer: Antara Etika, Keadilan, dan Tantangan Globalisasi,” Journal of Islamic Economic Studies, 1(4), pp. 426–440. Available at: https://journal.hamfara.com/hamfara/article/view/69 (Accessed: April 27, 2026).
Fitria, T.N. (2025) Islamic Banking Digitalization: Challenges and Opportunities in the Era of Industrial Revolution 4.0.
Hamdy, A. and Eid, R. (2024) “Muslim-Friendly Tourist Destination Image in Travel and Hospitality Industry: Conceptualization and Scale Development,” International Journal of Intercultural Relations, 102, p. 102043. Available at: https://doi.org/10.1016/J.IJINTREL.2024.102043.
Martín, J.C., Orden-Cruz, C. and Zergane, S. (2020) “Islamic Finance and Halal Tourism: An Unexplored Bridge for Smart Specialization,” Sustainability 2020, 12(14), p. 5736. Available at: https://doi.org/10.3390/SU12145736.
Mastercard (2025) Mastercard-CrescentRating Global Muslim Travel Index Reveals Trends Shaping the Future of Halal Travel. Available at: https://www.mastercard.com/news/ap/en/newsroom/press-releases/en/2025/mastercard-crescentrating-global-muslim-travel-index-reveals-trends-shaping-the-future-of-halal-travel/ (Accessed: April 8, 2026).
Mastercard-CrescentRating (2025) Global Muslim Travel Index (GMTI) | CrescentRating. Available at: https://crescentrating.com/insights/gmti (Accessed: April 29, 2026).
Napitupulu, R.M. et al. (2024) “The Nexus Between Halal Industry and Islamic Green Finance: A Bibliometric Analysis,” Journal of Islamic Marketing, 15(10), pp. 2508–2527. Available at: https://doi.org/10.1108/JIMA-06-2023-0192.
Raimi, L., Abdur-Rauf, I.A. and Olaide Raimi, B. (2025) “Interdependence of Halal Entrepreneurship and Islamic Finance for Creating a Strong Halal Ecosystem,” Journal of Islamic Marketing, 16(3), pp. 929–954. Available at: https://doi.org/10.1108/JIMA-05-2023-0162.
Ruiz-Muñoz, D., Sánchez-Sánchez, A.M. and Sánchez-Sánchez, F.J. (2025) “Challenges and Opportunities for Halal Tourism,” Journal of Islamic Accounting and Business Research [Preprint]. Available at: https://doi.org/10.1108/JIABR-07-2024-0276/1269940.
Svensson, L. (2021) “Contextual Analysis: A Research Methodology and Research Approach,” Etika Jurnalisme pada Koran Kuning: Sebuah Studi Mengenai Koran Lampu Hijau, 16(2), pp. 39–55. Available at: http://hdl.handle.net/2077/68413 (Accessed: April 26, 2026).
Taherdoost, H. (2022) “What Are Different Research Approaches? Comprehensive Review of Qualitative, Quantitative, and Mixed Method Research, Their Applications, Types, and Limitations,” Journal of Management Science & Engineering Research, 5(1), pp. 53–63.
Takhim, M. et al. (2023) “The Synergy of Islamic Banks and Muslim-Friendly Tourism: Patterns of Halal Industry Development in Indonesia,” International Journal of Sustainable Development and Planning, 18(9), pp. 2723–2731. Available at: https://doi.org/10.18280/IJSDP.180911.
WIT (2024) Muslim Travel Market Set for 230 Million International Arrivals by 2028, with an Expenditure of USD 225 Billion - WiT. Available at: https://www.webintravel.com/muslim-travel-market-set-for-230-million-international-arrivals-by-2028-with-an-expenditure-of-usd-225-billion/
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Taufikur Rahman
This work is licensed under a Creative Commons Attribution 4.0 International License.
