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All Journal Shar-E: Jurnal Kajian Ekonomi Hukum Syariah Al-fiqh : Journal of Islamic Studies
Rika Dwi Ayu Parmatasari
Universitas Islam Negeri Alauddin Makassar
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Implementasi Prinsip Syariah dalam Pasar Uang: Analisis Regulasi, Pengawasan, dan Compliance di Indonesia Annisa Rayyahun; Ahyana Syahila Sukmana; Rika Dwi Ayu Parmatasari; Jamaluddin Majid
Al-fiqh Vol. 4 No. 2 (2026): Al-fiqh : Journal of Islamic Studies
Publisher : CV Global Research Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59996/al-fiqh.v4i2.1264

Abstract

Islamic money market transactions require consistency between contractual requirements, operational regulation, and institutional supervision. This study examines how these elements are connected in Indonesia, focusing on the regulatory framework established in 2024. It employs normative legal research with statutory and conceptual approaches. Primary materials comprise DSN-MUI Fatwas No. 37/2002 and No. 78/2010, Bank Indonesia Regulation No. 6/2024, Board of Governors Regulation No. 20/2024, and Financial Services Authority Regulation No. 2/2024 and Circular Letter No. 15/SEOJK.03/2024. Relevant scholarly publications provide supporting materials. The analysis maps transaction requirements, supervisory responsibilities, documentary evidence, and corrective mechanisms. The findings identify three interrelated dimensions of compliance: conformity of contractual substance, fulfilment of transaction procedures, and institutional accountability. Detailed requirements for SIMA, SiKA, and SiPA demonstrate that compliance must be assessed through the underlying assets, commodity ownership, investment mandates, and transaction records. Bank Indonesia supervises money market participants, while the Financial Services Authority regulates sharia governance within Islamic commercial banks and Islamic banking units, involving sharia supervisory boards and internal control functions. Accordingly, the principal analytical issue concerns the traceability of requirements across these supervisory arrangements. The study proposes a document-based mapping of compliance responsibilities to support consistent examination and corrective action. Its conclusions concern regulatory design and do not establish the actual compliance rate or effectiveness of supervision.
Tantangan dan Peluang Lembaga Keuangan Syariah: Kajian Literatur Kartika; Jamaluddin Majid; Rika Dwi Ayu Parmatasari
Shar-E : Jurnal Kajian Ekonomi Hukum Syariah Vol. 11 No. 1 (2025): Shar-E: Jurnal Kajian Ekonomi Hukum Syariah
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/shar-e.v11i1.3911

Abstract

This study aims to analyze the concepts, principles, implementation, as well as the challenges and opportunities of Islamic Financial Institutions (IFIs) in Indonesia through a qualitative literature review method. The findings show that IFIs—including Islamic banks, Islamic insurance, Islamic cooperatives, Islamic pawnshops, and Islamic finance companies—have grown significantly and contributed to the economy, particularly in financing the real sector and empowering micro, small, and medium enterprises (MSMEs). This development is supported by regulations, fatwas issued by the National Sharia Council–Indonesian Ulema Council (DSN-MUI), and the increasing public awareness of Sharia-based finance. Nevertheless, IFIs still face challenges such as low Sharia financial literacy, limited product variety, and the need for consistent Sharia compliance. On the other hand, there are substantial opportunities through product innovation, government support, and digitalization, which can enhance financial inclusion and expand service reach. Therefore, strengthening literacy, ensuring consistent Sharia compliance, and utilizing digital technology are crucial strategies to reinforce the role of IFIs in establishing a just, ethical, and sustainable financial system.
Co-Authors Ahyana Syahila Sukmana Annisa Rayyahun Jamaluddin Majid Kartika