Analysis of the Development of Islamic Banking Regulation in Indonesia: Opportunities and Challenges
Keywords:
Islamic banking, regulation, challenges, opportunitiesAbstract
Islamic banking in Indonesia is growing rapidly along with increasing public awareness of the Islamic-based financial system. Regulations governing this sector play an important role in driving the growth of the Islamic banking industry. This study aims to explore the development of Islamic banking regulations in Indonesia and identify opportunities and challenges in their implementation. Using a qualitative approach through literature studies and policy analysis, this study examines various regulations issued by the government and related authorities, such as the Islamic Banking Law, regulations from the Financial Services Authority (OJK), and fatwas from the National Sharia Council-Indonesian Ulema Council (DSN-MUI). The results of the study show that regulatory developments have provided a stronger legal basis for this industry, especially in terms of capital, transparency, and supervision. These regulations create various opportunities, including increasing public trust, expanding the market, and innovating Islamic financial products. However, there are challenges that need to be overcome, such as gaps in the implementation of regulations, low Islamic financial literacy, and competition with conventional banking. In addition, harmonization of regulations between related institutions is needed to improve the effectiveness of supervision and compliance with Islamic principles.
Downloads
References
Adibah, Ayuk Wahdanfiari. “Studi Analisis Pembentukan Undang- Undang Nomor 21 Tahun 2008 Tentang Perbankan Syariah Dalam Perspektif Politik Hukum Nasional.” An-Nisbah: Jurnal Ekonomi Syariah 2, no. 2 (2016): 1–20. https://doi.org/10.21274/an.2016.2.2.1-20.
Al-Hakim, Sofyan. “Perkembangan Regulasi Perbankan Syariah Di Indonesia.” Ijtihad : Jurnal Wacana Hukum Islam Dan Kemanusiaan 13, no. 1 (2013): 15. https://doi.org/10.18326/ijtihad.v13i1.15-31.
Alamudi, Ichwan Ahnaz. “Politik Hukum Di Indonesia: Regulasi Perbankan Syariah Dalam Tata Hukum Indonesia.” AL-BALAD : Jurnal Hukum sTata Negara Dan Politik Islam 3, no. 2 (2023): 21–39. https://doi.org/10.59259/ab.v3i2.61.
Asri, Nafadzila Wahyuniar, and Harun Alrasyid. “Pengaruh Fintech Syariah Terhadap Peningkatan Inklusi Keuangan Bagi Pelaku UMKM (Studi Kasus P2P Financing Syariah Di Indonesia).” Warta Ekonomi 7, no. 1 (2024): 88–105.
Ely Eka Saputri, Siti Elita, and Anisatul Kamilah. “Analisis Perkembangan Perbankan Syariah Di Indonesia Dengan Melaksanakan Spin Off Pada Unit Usaha Syariah.” Jurnal Inovasi Ekonomi Syariah Dan Akuntansi 1, no. 4 (2024): 01–10. https://doi.org/10.61132/jiesa.v1i4.210.
Endang, Sriani, and Rifqy Tazkiyyaturrohmah. “Peluang Dan Tantangan Bank Syariah Di Era Revolusi 4.0.” Studi Agama Islam Vol. 13. (2020): 74–94.
Imaniyati, Neni Sri. “Perkembangan Regulasi Perbankan Syariah Di Indonesia : Peluang Dan Tantangan.” Jurnal Ekonomi & Bisnis 1, no. 1 (2008): 20–39.
Indratno, Bagus. “Peluang Dan Tantangan Perbankan Syariah Di Indonesia.” Majalah Ilmiah Ekonomika 13, no. 2 (2010): 47–74.
———. “Peluang Dan Tantangan Perbankan Syariah Di Indonesia.” Majalah Ilmiah Ekonomika 13, no. 2 (2010): 47–74.
Kahfi, Muhammad, and Jamaluddin Majid. “Landscape Peluang Dan Tantangan Keuangan Syariah Di Indonesia” 3 (2025): 146–58.
Noviasari, Yunita, and Nur Halimah. “Inovasi Dan Kreativitas Dalam Ekonomi Analisis Dampak Kebijakan OJK Terhadap Pertumbuhan Perbankan Syariah Di Indonesia Tahun 2019-2023” 8, no. 1 (2024): 164–72.
Pusvisasari, Lina, Hasan Bisri, and Ija Suntana. “Analisis Filosofi Dan Teori Hukum Ekonomi Syariah Dalam Konteks Perbankan Syariah.” Jurnal Ekonomi Utama 2, no. 3 (2023): 269–77. https://doi.org/10.55903/juria.v2i3.125.
Putra, Pulun Pradana, and Nurullia Febriati. “Peluang Dan Tantangan Perbankan Syariah Di Indonesia Pasca Merger.” Asas 13, no. 2 (2022): 80–94. https://doi.org/10.24042/asas.v13i2.11281.
Rahmaddina, Rizqa, Ana Toni, and Roby Candra. “Analisis Peluang Dan Hambatan Literasi Keuangan Fintech Syariah Di Era Revolusi Industri 4.0.” Jurnal Masharif Al-Syariah 8, no. 2 (2023): 1–14.
Risma, Camelia. “Inovasi Dan Tantangan Perbankan Syariah Di Era Digital.” Kompasiana.Com 3 (2024): 113–22.
SEFF, SYAUGI MUBARAK. “Regulasi Perbankan Syari’ah Pasca Lahirnya Undang-Undang Nomor 21 Tahun 2008 Tentang Perbankan Syari’ah (Kajian Politik Hukum).” Risalah HUKUM Fakultas Hukum Unmul 4, no. 2 (2008): 86–92.
Shandy Utama, Andrew. “Sejarah Dan Perkembangan Regulasi Mengenai Perbankan Syariah Dalam Sistem Hukum Nasional Di Indonesia.” Jurnal Wawasan Yuridika 2, no. 2 (2018): 187. https://doi.org/10.25072/jwy.v2i2.180.
Suliswanto, Muhammad Sri Wahyudi, Muhajirin Muhajirin, Sri Budi Cantika Yuli, and M. Faisyal Abdullah. “Analysing the Impact of Religiousity towards Human Welfare among Employee of University of Muhammadiyah Malang.” Falah: Jurnal Ekonomi Syariah 5, no. 1 (2020): 33. https://doi.org/10.22219/jes.v5i1.11662.
Syafii, Indra, and Isnaini Harahap. “Peluang Perbankan Syariah Di Indonesia.” In Seminar Nasional Teknologi Komputer & Sains (SAINTEKS), 1:666–69, 2020.
Yasin, Rozaq Muhammad, Nurzahroh Lailyah, and Mochamad Edris. “Analisis Pengaruh Layanan Digital Perbankan Syariah Terhadap Literasi Keuangan Syariah Generasi Milenial.” Jurnal BAABU AL-ILMI: Ekonomi Dan Perbankan Syariah 6, no. 1 (2021): 75. https://doi.org/10.29300/ba.v6i1.4117.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Al-Muamalah: Jurnal Ekonomi Islam, Filantropi dan Perbankan Syariah
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
