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All Journal Al Rikaz : Jurnal Ekonomi Syariah
Amira
Institut Agama Islam Negeri Parepare
Economics, Econometrics & Finance

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Intervensi Negara Dalam Pengawasan Kepatuhan Syariah Pada Perbankan Syariah Berdasarkan Prinsip Keadilan Dan Maslahah Mursalah Amira; Hannani Yunus
Al Rikaz: Jurnal Ekonomi Syariah Vol. 4 No. 2 (2026): Al Rikaz: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/rikaz.v4i2.17046

Abstract

This study aims to critically analyze the limitations and implementation of state intervention in Islamic banking operations through the lens of the principles of justice and the concept of maslahah mursalah. The scope of this research specifically focuses on state intervention in the function of Sharia compliance supervision carried out by financial authorities (the Financial Services Authority/OJK and Bank Indonesia) through the integration of religious authority fatwas into positive law. The research employs a qualitative method with a library research approach, examining statutory regulations and literature on Islamic economic law. The findings indicate that state intervention in Sharia compliance supervision constitutes a legitimate manifestation of the tanzhim (regulatory) function aimed at protecting public welfare (al-maslahah al-ammah) and safeguarding the wealth of society (hifz al-mal). An ideal form of intervention should be proportional, whereby the state is obligated to provide legal certainty for Sharia compliance instruments without stifling innovation in Islamic banking products or imposing risk standardization based on conventional and exploitative paradigms
Co-Authors Hannani Yunus