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All Journal Journal of Education Transportation and Business Journal of Business Inflation Management and Accounting
Sholatullah, Sholatullah
Unknown Affiliation
Economics, Econometrics & Finance Education Transportation

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The Role of The Sharia Supervisory Board in Risk Mitigation in Islamic Financial Institutions Hendra, Joni; Ghafar, Abd; Cahnawawi, Safuan Tri; Sholatullah, Sholatullah
Journal of Education Transportation and Business Vol 2, No 1 (2025): Juni 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/jetbus.v2i1.6270

Abstract

The Sharia Supervisory Board (SSB) plays a critical role in ensuring the compliance of Islamic financial institutions with Sharia principles. Beyond its function as a compliance authority, the SSB also contributes significantly to risk mitigation within Islamic financial institutions. This study explores the strategic role of the SSB in identifying, assessing, and minimizing Sharia-related and operational risks. The presence of the SSB ensures that all financial products, services, and operations adhere strictly to Islamic law, thereby preventing reputational and legal risks. Additionally, the SSB’s involvement in governance, product structuring, and continuous auditing enhances transparency and promotes stakeholder trust. The findings highlight that an active and competent Sharia Supervisory Board not only strengthens the ethical foundation of Islamic finance but also enhances overall risk management and organizational resilience.
The Role of The Sharia Supervisory Board in Risk Mitigation in Islamic Financial Institutions Hendra, Joni; Ghafar, Abd; Cahnawawi, Safuan Tri; Sholatullah, Sholatullah
Journal of Education Transportation and Business Vol 2, No 1 (2025): Juni 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/jetbus.v2i1.6270

Abstract

The Sharia Supervisory Board (SSB) plays a critical role in ensuring the compliance of Islamic financial institutions with Sharia principles. Beyond its function as a compliance authority, the SSB also contributes significantly to risk mitigation within Islamic financial institutions. This study explores the strategic role of the SSB in identifying, assessing, and minimizing Sharia-related and operational risks. The presence of the SSB ensures that all financial products, services, and operations adhere strictly to Islamic law, thereby preventing reputational and legal risks. Additionally, the SSB’s involvement in governance, product structuring, and continuous auditing enhances transparency and promotes stakeholder trust. The findings highlight that an active and competent Sharia Supervisory Board not only strengthens the ethical foundation of Islamic finance but also enhances overall risk management and organizational resilience.
Analisis Produk Produk Bank Syariah Ghafar, Abd; Sholatullah, Sholatullah
Journal of Business Inflation Management and Accounting Vol 2, No 1 (2025): Januari 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/bima.v2i1.4948

Abstract

Produk-produk Bank Syariah merupakan instrumen keuangan yang beroperasi sesuai dengan prinsip-prinsip syariah Islam. Bank Syariah menawarkan berbagai produk penghimpunan dana seperti tabungan wadiah yang berprinsip titipan, tabungan mudharabah yang menerapkan sistem bagi hasil, serta deposito syariah yang memberikan imbal hasil berdasarkan akad yang disepakati. Dalam hal penyaluran dana, Bank Syariah menghadirkan pembiayaan murabahah untuk jual beli dengan margin yang transparan, pembiayaan musyarakah untuk kerjasama usaha dengan pembagian untung dan rugi yang adil, serta pembiayaan ijarah untuk sewa menyewa aset dengan biaya sewa yang jelas. Bank Syariah juga menyediakan layanan jasa seperti transfer, kliring, dan pembayaran yang dijalankan dengan akad wakalah atau ujrah. Keseluruhan produk ini dirancang untuk memenuhi kebutuhan finansial masyarakat sambil tetap menjaga kepatuhan terhadap hukum Islam, menghindari riba, gharar, dan maysir, serta mengutamakan prinsip keadilan dan kemaslahatan bersama.
Co-Authors Cahnawawi, Safuan Tri Ghafar, Abd Hendra, Joni