Pendekatan Syariah Compliance Dalam Peningatan Kepercayaan Nasabah
Abstract views: 809
,
PDF downloads: 606
Abstract
Abstract
Islamic banking is an expression to practice Islam kaffaah (comprehensive). This is known as the 'shariah compliance' (shari'ah compliance). The banking industry depends on customer trust. The problem is, until now the community participation is still low. This study aims to utilize shariah compliance as an approach to increase public trust in sharia banking, using a philosophical approach; historical; comparative; and critical analytical. From this study resulted the understanding that the approach of shariah compliance is the right choice, considering several rationality, namely: philosophical, historical, theoretical-conceptual, empiricalpractical. In an effort to increase public trust through Shari'a compliance approach, it is in need of optimal role of MUI and government.
Abstrak
Perbankan syariah tumbuh dan berkembang atas motivasi pengamalan syariah secara kaffaah, dalam rangka pelaksaan ibadah menuju Islam yang falah. Oleh karenanya, ‘syariah compliance’ merupakan spirit utama yang menggerakkan industri perbankan syariah dunia dan menjadi konsekwensi logis bagi sistem keuangan Islam. Mengingat industri perbankan merupakan perniagaan berbasis kepercayaan nasabah, maka guna mempertahankan dan lebih menaikkan tingkat kepercayaan, penting sekali memperhatian syariah compliance pada semua aspek dalam aktifitas perbankan syariah. Permasalahannya, hingga saat ini pangsa pasar perbankan syariah masih rendah dibandingkan potensi yang ada, meskipun telah melampaui target. Kajian ini, memanfaatkan beberapa pendekatan yang digunakan secara proporsional, antara lain : filosofis; historis; komparatif; serta pendekatan analitis dan kritis. Dari kajian ini dihasilkan pemahaman bahwa penggunaan pendekatan syariah compliance merupakan pilihan tepat, mengingat beberapa alasan, yaitu : filosofis, historis global maupun lokal, teoritis-konseptual, empiris-praktis. Penggunaan syariah compiance dalam upya optimalisasi partisipasi masyarakat, sangat membutuhkan peran MUI. Namun demikian, yang lebih penting, ada peran serta Pemerintah
Downloads
References
Daftar Pustaka
Agus Triyanta, (2009), ‘Implementasi Kepatuhan Syariah Dalam Perbankan Islam (Syariah) (Studi Perbandingan antara Malasia dan Indonesia)’, Jurnal Hukum No. Edisi Khusus Vol. 16 Oktober 2009 : 209-228.
Ahmad Rofiq, (2016), Tanggung Jawab Dewan Syariah Nasional (DSN) Dan Dewan Pengawas Syariah (DPS) Dalam Menjamin Kepatuhan Syariah Perbankan Syariah, Modul Pelatihan Pembuatan Akta Notariil dalam Praktik Perbankan Syariah di Indonesia, 2-3 September 2016.
Bedjo Santosa, (2016), “Globalisasi Sistem Keuangan Syariah”, Harian Suara Merdeka, 7 Januari 2016.
Chapra, M. U. (1992). Islam and the economic challenge. Leicester, UK: Islamic Foundation..
Derigs, U dan Marzban, S, (2009), New Strategies and New Paradigm for Syariah Compliant Portofolio Optimization, Journal Banking and Finance 33 (2009), 1166-1176, hlm.
J. Michel Tylor, (2003), ‘Islamic Banking, The Feasibility of Establishing an Islamic Bank in The United States’, American Bussines Law, 40, 2003, hlm.389. Shanty Rachagan, ‘Islamic Banking in Malaysia, Journal of International Banking Law and Regulation, 2, 2005.
Jarot Jati dkk, (2016).Pemikiran Hukum Spiritual Pluralistik Sisi Lain Hukum Yang Terlupakan, Thafa Media,
Jumhana, (1992), Mohamad, Perkembangan hukum Islam di Indonesia, Jakarta, Rosda Karya, 1992,.
Mahmoedin, (1994), Etika Bisnis Perbankan, Jakarta : Pustaka Sinar Harapan.
Matteo Pellegrini, (2006), Corporate Governance and Shariah Compliance in Institutions Offering Islamic Financial Services, World Bank Policy Research Working Paper No. 4054, November 1, 2006.
Muhammad Zaki dan Bayu Tri Cahya, Aplikasi Maqasid Asy-Syari‘Ah Pada Sistem Keuangan Syariah, Jurnal Bisnis dan Manajemen Islam, BISNIS, Vol. 3, No. 2, Desember 201.
Nik Norzrul Thani, Mohammed Ridza Muhamed Abdullah dan Megat Hizaini Hasan, (2003), Law and Practice in Islamic Banking and Finance, Sweet & Maxwell, Selangor.
Ro’fah Setyowati, ‘Perlindungan “Khusus” Bagi Nasabah Perbankan Syariah Di Indonesia Dalam Perspektif Perlindungan Konsumen’, Masalah-masalah Hukum Fakultas Hukum Universitas Diponegoro, Jilid 39 No. 3, September 2010, ISSN 2086-2695.
Ro’fah Setyowati, Penegakan Hukum Ekonomi Syariah dalam Perspektif Perlindungan Konsumen Syariah, Workshop dan Sosialisasi Hukum Ekonomi Syariah bagi Para Hakim Pengadilan Agama Propinsi Jawa Tengah, di Semarang, 15 Disember 2009.
Ro’fah Setyowati, Perlindungan Nasabah Perbankan Syariah yang disampaikan dalam International Conference Corporate Law (ICCL I - 2009), Kerjasama FH UNAIR Surabaya dengan Universiti Utara Malaysia (UUM), 1-3 Jun 2009;
Ro’fah Setyowati, Sakina Shaik Ahmad Yussof. 2011. Hak-hak penggun a perbankan Islam di Indonesia: pendekatan harmonisasi terhadap perundangan sedia ada, Kertas kerja, Seminar Kebangsaan Persatuan Ekonomi Pengguna Dan Keluarga Malaysia (Macfea) Ke-15. 19-20 Juli.
Shamshad Akhtar, (2006), Shariah Compliant Corporate Governance, Keynote address delivered at Annual Corporate Governance Conference Dubai on November 27, 2006.
Wardayati, (2011), Implikasi Shariah Governance Terhadap Reputasi dan Kepercayaan Bank Syariah, Walisongo.
Wilson, R. (1997). Economics, ethics and religion: Jewish, Christian and Muslim economic thought. London: Macmillan.
Wilson, Rodney, (1983), Banking And Finance in The Arab Middle East, Mac Millan Publisshers Ltd. London.
Wilson, Rodney, (2006), Islam and Business, Thunderbird International Business Review, Vol. 48(1) 109–123, January–February 2006.
Yusoff, N. M. A. B. N. (2002). Islam And Business. Selangor, Malaysia: Pelanduk.
Zurina Shafii, Supiah Salleh, Syahidawati Hj Shahwan, (2010), Management of Shariah Non-Compliance Audit Risk in the Islamic Financial Institutions via the Development of Shariah Compliance Audit Framework and shariah Audit Programme, Kyoto Bulletin of Islamic Area Studies, 3-2 (March 2010),.
Copyright (c) 2017 Jurnal Hukum Ekonomi Islam
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
