Regulasi dan Kebijakan yang Mengatur Lembaga Keuangan Syariah di Indonesia

Dara Tsanya Abdul Rohim; Ranti Dwi Aryanti; Cantika Cantika; Ryan Cahya Nugraha; Joni Joni; Raihani Fauziah

doi:10.59059/maslahah.v3i4.2785

Authors

Dara Tsanya Abdul Rohim Universitas Siliwangi
Ranti Dwi Aryanti Universitas Siliwangi
Cantika Cantika Universitas Siliwangi
Ryan Cahya Nugraha Universitas Siliwangi
Joni Joni Universitas Siliwangi
Raihani Fauziah Universitas Siliwangi

DOI:

https://doi.org/10.59059/maslahah.v3i4.2785

Keywords:

DSN-MUI, Financial Service Authoriry Regulation, Islamic Financial Institutions, OJK, Regulation

Abstract

. Sharia financial institutions in Indonesia have experienced significant growth in line with increasing public demand for financial systems that comply with sharia principles. This growth requires clear regulations and policies to create stability, legal certainty, and protection for customers. This article examines the dynamics of regulations governing Islamic financial institutions, from the initial role of Bank Indonesia (BI) to the establishment of the Financial Services Authority (OJK) as the main supervisory and regulatory agency. In addition, this article also discusses the contribution of the National Sharia Council–Indonesian Ulema Council (DSN-MUI) in issuing fatwas that form the basis for the operation of Islamic products and services. With the Financial Services Authority Regulation (POJK) and other related regulations, the supervision of Islamic financial institutions has become more integrated, effective, and adaptive to industry developments. This study confirms that the existence of comprehensive regulations and policies not only strengthens the governance of Islamic financial institutions but also encourages the growth and competitiveness of the Islamic financial industry at both the national and global levels.

References

Awaluddin, A., & Febrian, A. (2020). Kedudukan Fatwa DSN-MUI dalam transaksi keuangan pada lembaga keuangan syariah di Indonesia. Al-Hurriyah: Jurnal Hukum Islam, 5(2). https://doi.org/10.30983/alhurriyah.v5i2.3366

Dian Ekawati, D., Tohir, T., & Susanto, S. (2024). Optimization of consumer protection and increase of virtual currency trading in Indonesia: A study on Financial Services Authority regulation. Al-Ishlah: Jurnal Ilmiah Hukum, 27(1). https://doi.org/10.56087/aijih.v27i1.452

Dinda Ika Yulianti, D., Astuti, R. P., & Afton, M. D. R. (2023). Analisis kebijakan dan regulasi perencanaan keuangan syariah di Indonesia: Tinjauan hukum tiga lembaga pengawasan. Jurnal Akademik Ekonomi dan Manajemen (JAEM), 2(2).

Hidayati, T., & Hidayatullah, M. S. (2021). Urgensi fatwa DSN-MUI mengenai manajemen risiko pembiayaan berbasis syariah. Al-Manahij: Jurnal Kajian Hukum Islam, 15(2). https://doi.org/10.24090/mnh.v15i2.4641

Imamul Muttaqin Arisandhi, I., et al. (2023). Jurisdictional authority of religious courts in consumer protection cases within the Islamic economic framework: A normative legal study. Al-Insyiroh: Jurnal Studi Keislaman, 11(1). https://doi.org/10.35309/alinsyiroh.v11i1.365

Irwan Sugiarto, I., & Disemadi, H. S. (2023). Consumers' spiritual rights in Indonesia: A legal study of Sharia fintech implementation in the consumers protection perspective. Jurnal IUS Kajian Hukum dan Keadilan, 8(3). https://doi.org/10.29303/ius.v8i3.766

Junaedi, & Nazah, F. N. (2024). Analisis fatwa Dewan Syari’ah Nasional Majelis Ulama Indonesia (DSN-MUI) tentang perbankan syariah. Jurnal Pilar Keadilan, 1(1), 20–35. https://doi.org/10.59635/jpk.v1i1.149

Kotler, P., & Keller, K. L. (2016). Marketing management (15th ed.). Pearson Education.

Muiz, A. (2024). Tinjauan yuridis terhadap implementasi fatwa DSN-MUI mengenai pembiayaan murabahan dalam praktik perbankan syariah di Indonesia. Journal of Islamic Finance and Syariah Banking, 2(1). https://doi.org/10.63321/jifsb.v2i1.54

Neneng Nurhasanah, & Tanjung, R. J. (2023). Implementasi fatwa DSN-MUI terhadap akad mudharabah dalam perbankan syariah. Jurnal Impresi Indonesia, 2(2). https://doi.org/10.58344/jii.v2i2.1923

Otoritas Jasa Keuangan (OJK). (2020). Prinsip kehati-hatian dalam pengelolaan risiko lembaga keuangan. Jakarta: OJK.

Republik Indonesia. (1999). Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen. Lembaran Negara Republik Indonesia Tahun 1999.

Sjahdeini, S. R. (2009). Perlindungan konsumen dan tanggung jawab produk. Jakarta: PT Gramedia Pustaka.

Subekti, H. (2018). Perlindungan konsumen dalam perspektif hukum di Indonesia. Yogyakarta: Pustaka Pelajar.

Taufik Hidayat Harahap, T. H. (2023). Implementasi akad syariah di lembaga keuangan syariah: Tantangan, regulasi, dan strategi peningkatan literasi keuangan syariah. YUDHISTIRA: Jurnal Yurisprudensi, Hukum dan Peradilan, 1(2), 27–35. https://doi.org/10.59966/yudhistira.v1i2.1640

UU No. 21 Tahun 2008 tentang Perbankan Syariah. (2008)