Analisis Celah Haram dalam Sistem Permodalan Bank Umum Syariah Berdasarkan Peraturan OJK Nomor 16/POJK.03/2022

Qian Ramadhani; Vincent Anderson Simanjutntak; Elvira Clarista Faiqah; Rodhia Tammardhiah

doi:10.59059/mandub.v3i2.2308

Authors

Qian Ramadhani Universitas Maritim Raja Ali Haji
Vincent Anderson Simanjutntak Universitas Maritim Raja Ali Haji
Elvira Clarista Faiqah Universitas Maritim Raja Ali Haji
Rodhia Tammardhiah Universitas Maritim Raja Ali Haji

DOI:

https://doi.org/10.59059/mandub.v3i2.2308

Keywords:

Islamic Commercial Banks, Capital, Haram

Abstract

Islamic Commercial Banks operate under Islamic law, necessitating compliance with sharia principles from their inception to their operations, including capital system. This study investigates potential haram loopholes in the capital system of Islamic Commercial Banks, specifically in light of OJK Regulation Number 16/PJOK.03/2022. Utilizing a normative legal research methodology with a legislative approach, the findings reveal a significant loophole regarding the capital system. Article 31 of the regulation does not stipulate that the sources of funds for paid-up capital in Islamic Commercial Banks must adhere to sharia principles. This contrasts with the previous Bank Indonesia Regulation No. 6/24/PBI/2004, which explicitly required that capital sources for Islamic Commercial Banks be halal and not derived from haram sources. The omission of this requirement in the current Financial Services Authority regulation raises concerns about the integrity of capital in Islamic Commercial Banks, as it lacks a safeguard ensuring that the capital originates from permissible sources. This gap could potentially lead to unauthorized practices and undermine the fundamental principles of Islamic finance.

References

Agustin, H. (2021). Teori bank syariah. JPS (Jurnal Perbankan Syariah), 2(1), 67–83. https://doi.org/10.46367/jps.v2i1.279

Farizal, M. (2017). Syirkah prinsip bagi hasil pada pembiayaan di bank syariah. Islamic Banking, 2(2), 56–79.

Fitriani, N., & Maharani, N. K. (2024). Pengaruh risiko kredit, risiko likuiditas, modal bank dan profitabilitas bank. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 8(2), 439–462. https://doi.org/10.31955/mea.v8i2.3938

Ilyas, R. (2017). Manajemen permodalan bank syariah. Bisnis dan Manajemen Islam, 5(2), 323–338.

Iska, S. (2012). Sistem perbankan syariah di Indonesia dalam perspektif fikih ekonomi. Fajar Media Press.

Jusmayati, & Habibah, S. (2019). Perbandingan sistem permodalan konvensional dan syariah terhadap pedagang Pasar Sentral Watampone dalam pengembangan usaha. Jurnal Ilmiah Al-Tsarwah, 1(2), 114–126. https://doi.org/10.30863/al-tsarwah.v1i2.258

Muhammad, A. (2004). Hukum dan penelitian hukum. Citra Aditya Bakti.

Muhammad, D. W. (2014). Penerapan prinsip syariah dalam permodalan bank syariah. Jurnal Media Hukum, 21(1), 44–56.

OJK. (2022). Ringkasan Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 16/POJK.03/2022 tentang Bank Umum Syariah.

Peraturan Bank Indonesia No. 6/24/PBI/2004 tentang Bank Umum yang Melaksanakan Kegiatan Usaha Berdasarkan Prinsip Syariah. (2004).

Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 16/POJK.03/2022 tentang Bank Umum Syariah. (2022).

Pusat Bahasa. (n.d.). Kamus Besar Bahasa Indonesia. KBBI.web.id. https://kbbi.web.id/modal

Rifky Fernanda, M. (2020). Penerapan prinsip perbankan syariah dalam hukum di Indonesia. Aktualita (Jurnal Hukum), 3(1), 81–93. https://doi.org/10.29313/aktualita.v0i0.5961

Sahib, M., & Ifna, N. (2024). Urgensi penerapan prinsip halal dan thayyib dalam kegiatan konsumsi. POINT: Jurnal Ekonomi dan Manajemen, 6(1), 53–64. https://doi.org/10.46918/point.v6i1.2256

Sunggono, B. (2003). Metodologi penelitian hukum. Raja Grafindo Persada.

Undang-Undang Republik Indonesia Nomor 21 Tahun 2008 tentang Perbankan Syariah. (2008).