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All Journal ANWARUL: Jurnal Pendidikan dan Dakwah Jurnal Studi Islam dan Sosial
Khaerunnisa Wahid
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Religion Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Islamic Banking in Indonesia: An Analysis of Regulation, Operations, and Contemporary Issues from the Perspective of Sharia and Economic Transformation Khaerunnisa Wahid; Supriadi Supriadi; Kamaruddin Kamaruddin
ANWARUL Vol 5 No 4 (2025): AGUSTUS
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/anwarul.v5i4.6713

Abstract

Islamic banking in Indonesia has undergone significant growth since the establishment of Bank Muamalat in 1991. This study examines the regulatory framework, operational principles, and the challenges and opportunities facing Islamic banking in addressing contemporary financial issues. Utilizing a descriptive-qualitative approach through a literature study, the research identifies Law No. 21 of 2008 and fatwas issued by the National Sharia Council–Indonesian Ulema Council (DSN-MUI) as the primary legal and ethical foundations for Islamic banking operations. Key contract mechanisms such as muḍārabah, mushārakah, and murābaḥah serve as Sharia-compliant alternatives to conventional interest-based systems. Despite this progress, Islamic banking faces several challenges, including low levels of Sharia literacy among the public, limited digital innovation, and intense competition with conventional banks. However, significant opportunities exist through partnerships with Islamic fintech, integration of Islamic social finance instruments (ZISWAF), and the promotion of sustainable finance initiatives aligned with the objectives of maqāṣid al-sharīʿah. The study underscores the need to strengthen regulatory frameworks and embrace technological advancements to build an inclusive, competitive, and future-ready Islamic banking system in Indonesia.
PEMBERDAYAAN EKONOMI UMAT PERSPEKTIF HUKUM ISLAM Sabri Samin; Khaerunnisa Wahid; Nadia Khaerunnisa; Hasriah Hasanuddin; Nurul Fatimah
Lisyabab : Jurnal Studi Islam dan Sosial Vol 6 No 2 (2025): Lisyabab, Jurnal Studi Islam dan Sosial
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) Sekolah Tinggi Agama Islam Mulia Astuti (STAIMAS) Wonogiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58326/jurnallisyabab.v6i2.486

Abstract

Penelitian ini melakukan analisis komparatif-kritis terhadap Tafsir Al-Manar dan Tafsir Al-Maraghi, yang sama-sama bercorak Adabi Ijtima'i, untuk mengungkap akar perbedaan ('illat al-ikhtilaf) respons mereka terhadap modernitas. Melalui pendekatan kualitatif dengan metode muqāranah dan analisis konten, penelitian ini menganalisis aspek metodologis dan penafsiran substantif terhadap tiga ayat kunci: Q.S. Yunus [10]: 100 (akal), Q.S. An-Nisa' [4]: 59 (politik), dan Q.S. An-Nisa' [4]: 34 (keluarga). Temuan penelitian mengungkapkan bahwa meskipun berbagi corak dasar, kedua tafsir menunjukkan divergensi yang sistematis. Al-Manar, dengan dominasi bil ra'yi (70%) dan corak Islahi-Siyasi, menghasilkan respons yang transformatif dan polemis. Sebaliknya, Al-Maraghi, dengan dominasi bil ma'tsur (60%) dan corak Tarbawi-Ilmi, menghasilkan respons yang stabilisasi-edukatif. Penelitian ini menyimpulkan bahwa 'illat al-ikhtilaf utama terletak pada interaksi antara Tsaqofah al-Mufassirin (kerangka intelektual-kelembagaan) dan konteks historisnya. Al-Manar, produk Tsaqofah Salafi-Aktivis di era Modern Awal, mengadvokasi tajdid transformatif-politis. Sementara Al-Maraghi, produk Tsaqofah Azhari-Institusional di era Modern Pertengahan, mengadvokasi tajdid stabilisasi-edukatif. Dengan demikian, studi ini tidak hanya memetakan perbedaan, tetapi juga berkontribusi pada ilmu tafsir dengan memperkenalkan Tsaqofah al-Mufassirin sebagai kerangka analitis dan dua model pembaruan (tajdid) yang lahir dari corak Adabi Ijtima'i.
Co-Authors Hasriah Hasanuddin Nadia Khaerunnisa Nurul Fatimah Sabri Samin Supriadi Supriadi