SYNERGY BETWEEN SHARIA BANKING AND CREATIVE ECONOMY IN REALIZED SUSTAINABLE ECONOMIC DEVELOPMENT

Abstract

The synergy between Islamic banking and the creative economy plays a strategic role in realizing sustainable economic development in Indonesia. Islamic banking, with its principles of fairness, transparency, and profit-sharing, provides ethical and inclusive financing schemes for creative economy players. Meanwhile, the creative economy sector contributes significantly to Gross Domestic Product (GDP) through innovation, job creation, and strengthening cultural and local values. This collaboration presents an economic model that is not solely profit-oriented, but also focuses on social welfare and environmental preservation. This research uses a qualitative descriptive method with a desk study approach. The results show that this synergy produces creative financing such as mudharabah, musyarakah, Islamic crowdfunding, and green financing, which support the growth of micro-enterprises and the sustainability-based creative sector. Challenges such as low Islamic financial literacy, limited product innovation, and lack of inter-institutional coordination still need to be addressed. Digital integration and strengthening the halal creative economy ecosystem are key to the future success of this synergy. Thus, collaboration between Islamic banking and the creative economy has great potential to create a just, competitive, and sustainable economy in accordance with Islamic values.