Pencucian Uang pada Lembaga Jasa Keuangan Syariah: Perspektif Fiqih Muamalah

Adhitya Abriansyah Afandi (Faculty of Economics and Business, Universitas Islam Negeri Syarif Hidayatullah,)
Euis Amalia (Faculty of Economics and Business, Universitas Islam Negeri Syarif Hidayatullah,)
Muhammad Cholil Nafis (Faculty of Economics and Business, Universitas Islam Negeri Syarif Hidayatullah,)
Ahmad Rodoni (Faculty of Economics and Business, Universitas Islam Negeri Syarif Hidayatullah,)
Desmadi Saharuddin (Faculty of Economics and Business, Universitas Islam Negeri Syarif Hidayatullah,)
Rahmawati Rahmawati (Faculty of Economics and Business, Universitas Islam Negeri Syarif Hidayatullah,)

The Journal of Anti Money Laundering and Countering The Financing of Terrorism (AML/CFT Journal)
Vol 4 No 2 (2026): Pencucian Uang dalam Perspektif Hukum, Keuangan, dan Ekonomi Syariah: Tantangan,

The rapid expansion of Islamic Financial Institutions (Indonesian: Lembaga Jasa Keuangan Syariah) in Indonesia has recently been tainted by a surge in financial crimes, specifically Money Laundering (ML). These cases expose a troubling reality that wide spread contract misuse, fragile internal governance, and a significant disconnect between Sharia standards and Anti-Money Laundering (AML) compliance. By synthesizing positive law, AML frameworks, and fiqh muamalah, this study investigates how ML crimes infiltrate Islamic Financial Institutions operational practices. Using a qualitative case study of court decisions from 2024 and 2025 (Bengkulu and Banjarmasin), the research reveals that the vulnerability to ML does not stem from Sharia principles themselves, but from internal control failures, insider abuse, and the lack of integration between Sharia oversight and AML systems. From a fiqh muamalah perspective, these practices fundamentally violate the principles of amanah (trust), ‘adl (justice), and ḥifẓ al-māl (protection of wealth), rendering the involved contracts substantively defective. Ultimately, this study advocates for a mandatory integration of Sharia governance and AML compliance as a concrete manifestation of maqāṣid al-sharī‘ah to safeguard the integrity of Indonesia's Islamic financial system.