Perkembangan Lembaga Keuangan Syariah dalam Perspektif Hukum Ekonomi Islam: Prinsip, Regulasi, dan Tata Kelola Syariah
Keywords:
Islamic Financial Institutions, Islamic Economic Law, Sharia Principles, Sharia Regulation, Sharia GovernanceAbstract
This study examines the development of Islamic financial institutions from the perspective of Islamic economic law, with particular attention to the principles, regulatory framework, and sharia governance underlying their operations. The study employs a qualitative approach through library research by examining secondary sources, including scholarly books, journal articles, legislation, fatwas issued by the National Sharia Council–Indonesian Ulema Council (DSN-MUI), and official publications of relevant institutions. Data were analyzed using content analysis and descriptive-qualitative analysis through the stages of data selection, thematic organization, interpretation, and synthesis. The findings indicate that the development of Islamic financial institutions in Indonesia is closely related to the strengthening of Islamic legal principles, national regulation, and institutional mechanisms for ensuring sharia compliance. The prohibition of riba, gharar, maysir, and other prohibited practices constitutes the normative foundation, while contracts, sharia supervision, DSN-MUI fatwas, and national regulations provide the operational and legal framework. The development of Islamic financial institutions also contributes to financial intermediation, real-sector financing, MSME development, financial inclusion, and the management of Islamic social funds. Effective regulation and sharia governance are therefore essential for strengthening public trust and ensuring that Islamic financial institutions operate consistently with the principles of justice, accountability, and maslahah.
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