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All Journal Al-Kharaj: Journal of Islamic Economic and Business Sharing: Journal Of Islamic Economics, Management And Business Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Khairul Hanif
Universitas Islam Negeri Sultan Syarif Kasim Riau
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Analisis Kedudukan dan Peran Otoritas Jasa Keuangan (OJK) dalam Pengawasan dan Regulasi Sistem Perbankan Syariah di Indonesia Khairul Hanif; Muhammad Albahi; Rozi Andrini
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i1.10377

Abstract

This study analyzes the position and role of the Financial Services Authority (OJK) in supervising and regulating the Indonesian Islamic banking system. This research uses a descriptive qualitative approach with library research methods. The study examines laws, OJK regulations, and scientific literature on Islamic financial supervision. This analysis highlights the OJK's dual function as a regulator and supervisor in maintaining sharia compliance, financial stability, and governance in Islamic banks. The findings reveal that the OJK holds a strategic position as an independent authority based on Law No. 21 of 2011 and Law No. 4 of 2023 concerning the Development and Strengthening of the Financial Sector. OJK's on-site and off-site supervision ensures transparency, risk management, and compliance with sharia principles. Challenges include limited human resources with dual expertise, weak harmonization with the National Sharia Council (DSN-MUI), and low public literacy. This study concludes that strengthening the role of the OJK requires increased institutional coordination, capacity building, and integration of maqasid al-shari’ah principles to ensure sustainable development of Islamic finance.
Reconstruction of the Handling of Non-Performing Financing in Murabahah Contracts in Islamic Banking Khairul Hanif; Muhammad Albahi; Raja Sakti Putra Harahap
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10246

Abstract

This study aims to analyze the issues surrounding the management of non-performing financing in murabahah contracts within Islamic banking and to formulate a revised management model that is more in line with Sharia principles and legal certainty. This issue is significant given the widespread use of murabahah contracts in Islamic banking practices, which is not always accompanied by the substantive implementation of Sharia principles. The research method employed is a normative legal approach using a literature review, through an examination of primary legal sources relevant to Islamic banking and murabahah financing. Data analysis was conducted qualitatively using descriptive-analytical and prescriptive approaches to produce comprehensive model recommendations. The results indicate that the handling of non-performing financing in murabahah contracts still faces a gap between theory and practice, a dominance of repressive approaches, and weak legal certainty due to the lack of alignment between regulations and on-the-ground implementation. To address this, this study proposes a reconstruction of the management of non-performing financing through a model based on legal certainty and Sharia principles, consisting of three stages: preventive, curative, and repressive, with consultation and restructuring as the primary approaches and enforcement as the last resort (ultimum remedium). It is hoped that the implications of this study will contribute to the development of Islamic banking law, particularly in creating a system for handling non-performing financing that is fairer, more effective, and in accordance with Sharia principles, as well as serving as a reference for practitioners, regulators, and academics in strengthening the implementation of Islamic banking in Indonesia.
Rasionalitas Ekonomi: Perspektif Pilihan Konsumsi Rumah Tangga Muslim Khairul Hanif; Mahyarni Mahyarni; Kiki Hardiansyah Siregar
Sharing: Journal of Islamic Economics Management and Business Vol. 5 No. 1 (2026): Maret, 2026
Publisher : Program Studi Ekonomi Syariah Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sharing.v5i1.54003

Abstract

Rationality is a mindset and action pattern based on human reason and logic in making choices, including in economic activities. This study aims to examine and analyze the fundamental differences between the concepts of rationality in conventional economics and rationality in Islamic economics. The method used in this study is library research with a qualitative-descriptive approach. Data collection techniques were conducted through documentation of various relevant literature sources, such as books, scientific journals, and other academic works. The results of the analysis indicate that rationality from an Islamic perspective is more holistic in nature because it emphasizes not only material aspects but also moral and spiritual dimensions, with the primary goal of achieving falah, namely, well-being in this world and the hereafter. Muslim household consumption patterns are not solely directed at fulfilling personal needs but also consider social obligations and spiritual values. Factors influencing Muslim household consumption choices include religion, economic conditions, socio-cultural factors, and level of knowledge. The implications of this research are expected to provide a conceptual understanding that Islamic economic rationality offers an alternative paradigm to conventional rationality in explaining Muslim household consumption behavior.
Co-Authors Kiki Hardiansyah Siregar Mahyarni - Muhammad Albahi Raja Sakti Putra Harahap Rozi Andrini