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All Journal JIB : Journal Islamic Banking JAKBS JEBD Sharia Economic and Management Business Journal (SEMBJ) Demagogi: Journal of Social Sciences, Economics and Education Adpertens ; Jurnal Ekonomi dan Manjemen Journal of Finance and Islamic Banking Ulil Albab International Journal of Economics, Science, and Education (IJESE)
Khaidar Rahmaini Jamila
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Maqashid Paradox: A Three-Pillar Gap Framework for Understanding Compliance and Social Impact in Indonesian Islamic Banking Khaidar Rahmaini Jamila; Muhammad Irwan Padli Nasution; Muhammad Habibi Siregar
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 1 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i1.2465

Abstract

Background: The rapid growth of Islamic banking in Indonesia has raised concerns about the gap between formal sharia compliance and the substantive realization of maqashid sharia objectives. Although Islamic banks demonstrate strong compliance performance, evidence indicates that this has not consistently translated into higher maqashid outcomes, raising questions about whether Islamic banking has fulfilled its substantive role in promoting social welfare, justice, and sustainable development. Method: This study employed a qualitative approach using a conceptual-descriptive research design based on a systematic literature review. Relevant studies published between 2017 and 2026 were collected from reputable academic databases including Scopus, Google Scholar, Emerald Insight, and ProQuest. A total of 45 articles were selected and analyzed through thematic synthesis to identify structural factors contributing to the compliance-maqashid gap. Results: The findings reveal three interconnected dimensions underlying the compliance-maqashid gap: regulatory, operational, and human resource factors. Regulatory frameworks remain focused on micro-level contractual compliance rather than substantive maqashid achievement. Operational practices replicate conventional banking models with financing portfolios heavily concentrated in murabahah contracts. Limited maqashid-oriented competencies among banking professionals hinder effective implementation of socio-economic objectives. These conditions collectively reinforce symbolic compliance and sustain a compliance-driven system with limited substantive impact. Conclusion: Achieving maqashid sharia requires a paradigm shift from compliance-oriented governance toward outcome-oriented Islamic banking practices. Strengthening maqashid-based regulations, diversifying financing structures, and enhancing human resource competencies are essential to bridge the gap between formal compliance and substantive maqashid achievement.
Co-Authors Adelia Safitri Afni Haryanti Harahap Ahyarul Juanda Sagala Alya Arianti Nasution Anugerah Fathir Alhadid Azhari Akmal Tarigan Dian Zahra Syahfitri Lubis Dini Anggraini Indah Tri Sari Harahap Keisya Putri Balqis M. Aidil Syahputra M. Ridwan Mey Yunanda Muhammad Habibi Siregar Mustafa Khamal Rokan Nasution, Muhammad Irwan Padli Putri Wahyuni Safnah Soleha Tri Wina Sabrina Vera Maytara Yabib Fikri Rambe Yekti Mahanani Yona Fitri Yona Fitri Yusrizal