CHALLENGES OF ADOPTING ISLAMIC FINANCE WITHIN CONVENTIONAL BANKING SYSTEMS

The growing interest in ethical and alternative financial models has increased the relevance of Islamic financewithin commercial banking systems. This article examines the key issues associated with the implementation of Islamicfinance products in commercial banking practice. Using a qualitative analytical approach, the study explores institutional,regulatory, and operational challenges that influence product adoption and performance. The findings indicate thatcommercial banks tend to prioritize Islamic finance instruments that closely align with conventional banking structures,while risk-sharing products remain limited in practice.