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All Journal Jurnal of Islamic and Social
Nopa Tulhasanah
IAIN Syaikh Abdurrahman Siddik Bangka Belitung

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Lembaga Pembiayaan Syariah di Indonesia: Konsep, Regulasi, dan Produk Pembiayaan Nopa Tulhasanah; Teni Wahyuni
EJESH: Journal of Islamic Economics and Social Vol. 3 No. 2 (2025): EJESH: Jurnal of Islamic Economics and Social
Publisher : Master of Sharia Economics Program, IAIN Syaikh Abdurrahman Siddik Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/ejesh.v3i2.5874

Abstract

The dynamics of global economic development demand a financial system that is not only efficient but also fair and ethical. In this context, Islamic financing institutions emerge as a strategic alternative by offering financial solutions grounded in Islamic principles such as justice, transparency, and social responsibility. This study aims to examine the concepts, regulations, operational principles, and various Islamic financing products that are developing in Indonesia. The research employs a library research method, relying on academic literature, official regulations, and DSN-MUI fatwas. The findings reveal that Islamic financing institutions perform financial intermediation using Sharia-compliant contracts such as murabahah, mudharabah, musyarakah, ijarah, and others. In terms of regulation, these institutions operate based on formal legal frameworks including Law No. 21 of 2008, Minister of Finance Regulation No. 84/PMK.012/2006, various Financial Services Authority (OJK) regulations, and Sharia fatwas. The products offered include consumptive financing, productive financing, syndicated financing, take-over financing, and letter of credit (L/C). These findings underscore the significant role of Islamic financing institutions in promoting inclusive and sustainable economic growth in Indonesia
Co-Authors Teni Wahyuni