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Tajul Arifin
Universitas Islam Negeri Sunan Gunung Djati, Bandung,
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Convergence of Sharia Principles in Otoritas Jasa Keuangan (OJK) Indonesia Regulations and Their Impact on National Financial Policy Hafizd, Jefik Zulfikar; Arifin, Tajul; Bisri, Hasan; Jubaedah, Dedah
Khazanah Sosial Vol. 8 No. 1 (2026): Khazanah Sosial
Publisher : UIN Sunan Gunung Djati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ks.v8i1.51562

Abstract

This study analyzes the convergence of Sharia principles within the Financial Services Authority (OJK) regulatory framework and its impact on the transformation of Islamic financing law in Indonesia. Pursuant to Law No. 21 of 2011 on the Financial Services Authority and Law No. 4 of 2023 on the Development and Strengthening of the Financial Sector (P2SK), OJK is mandated to ensure that all Islamic financial institutions operate in compliance with Sharia principles. However, implementation remains suboptimal, both in terms of regulatory products and practical application. Using a qualitative empirical juridical approach, this study combines normative analysis of statutory regulations, OJK circulars (POJK and SEOJK), and DSN-MUI fatwas with field interviews conducted at the OJK Regional Office in Cirebon. In line with Antonios E. Platsas’s theory of legal convergence, the study finds that OJK’s regulatory approach reflects a multimodal integration of top-down legal harmonization and institutional adaptation of Sharia ethics. Nonetheless, convergence in practice remains largely formalistic, as many regulations still prioritize prudential and administrative compliance over substantive realization of maqāṣid al-sharī‘ah. Strengthening coordination between OJK and the Sharia Supervisory Board (DPS) is therefore essential to align regulatory governance with Sharia’s moral objectives of justice, partnership, and sustainability within Indonesia’s national financial system.
Co-Authors 'Ain, I. Nurol Abdal Abdal, Abdal Abdul Rohim, Abdul Abdulah Pakarti, Muhammad Husni Abdurahim, Mika Abdurrahman, Irwan Adawiah, Amalia Muazzah ahmad arifin Ahmad Ridwan Ahmadi, Husni Al Khansa, Amelia Cendikia Al-Kasyaf, Muhammad Zheeva Ali Masrur Andika, Indra Dwi Cahya Angraeni, Muthiara Annura Nazwa ARDIANSYAH ARDIANSYAH Arrazi, Ghiffaridz Valdzan Athoillah, Mohamad Azizah, Wardatul Azzahra, Arini Nabila AzZahra, Naila Syafa Azzami, Abdulloh Buchori , Muhamad Fiqri Al Cahyani, Putri Tri Damarudin, Zarqa Haura Bilfaqih Dea Dahlia Dewi, Raenita Aulia Fachrurrosi, Harie Fadllurrahman, Irfan Faisal Adam, Faisal Farhan , Razkha Yudistira Adrian Farizi, Muhammad Luthfi Al Fauji, Hayatul Fauzia, Ine Fauziah, Azka Fauziah, Ine Hafid, Numan Sofari Hairullah Hairullah, Hairullah Hakim, Muhammad Irfan Haniifaa, Anita Nabila Harmaini, Ryan Lukman El Hakim Hasan Bisri Herawati, Milda Kurnia Hermawan, Faza Pauzia Heryana, Sandi Hidayat, Agi Attaubah Hidayat, Ia Mufti Hidayatulah Hidayatulloh, Tutur Nurul Hulaiva Pary Ibal, Faisal Adam Ikhsan, Muhammad Miftahul Imam Muttaqin, Faruqi Imana, Yudi Irawan, Zahran Abhipraya Irwan Kurniawan Islah Siregar, Muhamad Iwan Setiawan Jalaludin, Diding Jefik Zulfikar Hafizd Jubaedah, Dedah Kanaan, Asim Ismail Kholili, Muhammad Salim Kurniawan, Cecep Soleh Lidzikrirrofiqi, Muhammad Rifqi M, Faruqi Imam M. Athoillah, M. Maharani, Siti mayang, Dewi Mida Safitriani, Mida Safitriani Milati, Arina Mohamad Rana Muhammad Hilmi Mujaddid Rais, Fakhri Mujoko, Bejo Mukhlas, Oyo Sunaryo Muzaki, Amar Nabilla Fitri Arfian Nailus Sakinah, Nailus Sakinah Nazhif, Muhammad Alwan Noviaranti, Sari Nurjaman, Muhamad Izazi Nurrohman Nurrohman Nursalim, Danni Nursyamsudin, Pebriyana Padhilah, Piqi Rizki Pian, Happy Prasetia, Riky Pratama, Brilyan Yudha Puspitasari, Dea Putra, Aldy Pratama Putri, Rizkia Novebiani Rajiman, Arman Ramadhana, Ahyana Ikhwana Ramania, Restu Ramdi, Tansya Hadiansyah Rayana, Jagat ridwan fauzi Ridwan, Ahmad Hasaan Rizaludin, Rizaludin Rizqillah, Faisal Najmi Rohman, Teguh Abdul Royhan, Fahmi Rusmana, Dian Sabila, Kanisa Sadikin, Moch. Ramdan Hasan Saebani, Beni Ahmad Saepullah, Usep Safei, Abdulah Saima, Ima Santoso, Selamet Sari, Dina Novita Satianagara, Arjuna Savariah, Eva Sidiq, Gifar Sitorus, Hotma Gustian Solihat, Naysila Fitri Sonia, Gina Srimauludiyah Sugiyanti, Ekta Lina Sumitra Timora, Deril Rafsya Tri Cahyani , Putri Ulya Adila, Hafidah Witro, Doli Yuniarti, Vinna Sri Zaliaokta, Faliani