Strategic Management System Formation and Improvement in Non-Bank Institutions Providing Islamic Financial Services

This article investigates the theoretical and practical dimensions of forming and improving strategic management systems in non-bank financial institutions offering Islamic financial services. The study examines governance mechanisms grounded in Islamic finance principles, the optimization of risk management frameworks, the influence of digital transformation on strategic decision-making, and pathways for institutional development. Drawing on international best practices and empirical evidence, the article proposes actionable scientific recommendations to enhance the operational effectiveness and long-term sustainability of non-bank Islamic financial institutions.