Main Article Content

Abstract

Besidesbeing  generally  bound  by  prudential  principles  in  banking  regulations,  Islamic  banking  in Indonesia is also bound by sharia principles. In reality, there are several contradictions between these two  jurisdictions  (conventional  banking  and  Islamic  banking).  This  article  aims  to  discuss  why  the contradictions between these two jurisdictions can occur. Furthermore, how the possibilities are to make harmony or adjustment among the various different elements, so that these two different jurisdictions can synergistically play a role in driving the development of Islamic banking in Indonesia. The research method in this article is normative legal research with a qualitative analysis model. The conclusion of this article showed that the set of regulations related to the prudential principle of banking in two banking models  (conventional  and  sharia)  in  fact  were  the  same.  It  was  because  this  regulation  related  to banking  prudential  was  originally  designed  for  conventional  banking,  and,  when  applied  to  Islamic banking, various adjustments were needed, for example in the collateral case. This article recommends that sharia-based prudential principles should be immediately integrated into the regulation of banking prudential principles in general to prevent any problems arose from the application of Islamic banking.

Keywords

Synergy prudential sharia compliance sharia banking

Article Details

Author Biography

Agus Triyanta, Fakultas Hukum Universitas Islam Indonesia

Fakultas Hukum
How to Cite
Triyanta, A. (2019). Menyinergikan Aturan Prudensial Dan Aturan Kepatuhan Syariah Pada Perbankan Syariah Di Indonesia. Jurnal Hukum IUS QUIA IUSTUM, 26(1), 113–132. https://doi.org/10.20885/iustum.vol26.iss1.art6

References

  1. Buku
  2. Chalil, Moenawar, Kelengkapan Tarikh Nabi Muhammad saw, Jakarta, Gema Insani Pers, 2001.
  3. Haron, Sudin dan Bala Shanmugam, Islamic Banking System, Concepts and Applications, Pelanduk Publications, Selangor, 1997.
  4. Haron, Sudin, Islamic Banking: Rules and Regulations. Selangor, Pelanduk Publications, 1997.
  5. Hassa, Rusni, et al, A Comparative Analysis on Shariah Governance In Islamic Banking Accross Judisdiction, Institute for Shariah Research Academy (ISRA), Malaysia, 2013.
  6. Sjahdeini, Sutan Remi, Perbankan Islam dan Kedudukannya dalam Tata Hukum Perbankan Indonesia, Yayasan Adikarya IKAPI and Ford Foundation, Jakarta, 2005.
  7. Triyanta, Agus, Hukum Perbankan Syariah: Regulasi, Implementasi dan Formulasi Kepatuhannya Terhadap Prinsip-Prinsip Islam, Setara Press, Malang, 2016
  8. Usman, Rachmadi, Aspek-Aspek Hukum Perbankan di Indonesia, Gramedia, Jakarta, 2001.
  9. Jurnal
  10. Abbadi, M Suleman dan Karsh, Sharif M. Abu, “Methods of Evaluating Credit Risk used by Commercial Banks in Palestin”, International Research Journal of Finance and Economics, Issue 111 July, 2013.
  11. Rahman, R. Abdul and I.S.Khair Anwar, “Types of Fraud among Islamic Banksin Malaysia” dalam International Journal of Trade, Economics and Finance, Vol. 5, No. 2, April 2014.
  12. Johannesen, Niels dan Gabriel Zucman, “The End Of Bank Secrecy? An Evaluation Of The G20 Tax Haven Crackdown”, American Economic Journal: Economic Policy 2014, 6(1): 65 – 91
  13. Peraturan Perundang-Undangan/Instrumen Hukum Internasional
  14. Fatwa Dewan Syari’ah Nasional Nomor 07/DSN-MUI/IV/2000 tentang Pembiayaan Mudharabah (Qiradh).
  15. International Covenant on Civil and Political Rights. Adopted by the General Assembly of the United Nations on 19 December 1966.
  16. Peraturan Bank Indonesia Nomor 19/3/PBI/2017 tentang Pinjaman Likuiditas Jangka Pendek Bagi Bank Umum Konvensional.
  17. Peraturan Bank Indonesia Nomor : 3/10/PBI/2001 tentang Penerapan Prinsip Mengenal Nasabah (Know Your Customer Principles)
  18. Peraturan Bank Indonesia Nomor: 6/10/PBI/2004 tentang Sistem Penilaian Tingkat Kesehatan Bank Umum.
  19. Peraturan Otoritas Jasa Keuangan Nomor 12/POJK.01/2017 tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme di Sektor Jasa Keuangan.
  20. Peraturan Otoritas Jasa Keuangan Nomor 12/POJK.01/2017 tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme di Sektor Jasa Keuangan.
  21. Peraturan Otoritas Jasa Keuangan Nomor 4 /Pojk.03/2016 tentang Penilaian Tingkat Kesehatan Bank Umum
  22. Undang-Undang Nomor 21 Tahun 2008 tentang Perbankan Syariah (Tambahan Lembaran Negara Republik Indonesia Nomor 4867)
  23. Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan (Tambahan Lembaran Negara Republik Indonesia Nomor 3790)
  24. Undang-Undang Nomor 19 Tahun 2008 tentang Surat Berharga Syariah Negara (SBSN) (Tambahan Lembaran Negara Republik Indonesia Nomor 4852)
  25. Undang-Undang Nomor 4 Tahun 1996 tentang Hak Tanggungan Atas Tanah Beserta Benda-Benda Yang Berkaitan Dengan Tanah (Tambahan Lembaran Negara Republik Indonesia Tahun 1996 Nomor 3632)
  26. Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia (Tambahan Lembaran Negara Republik Indonesia Nomor 3889)
  27. Internet
  28. Featuring Black's Law Dictionary Free Online Legal Dictionary 2nd Ed, dalam https://thelawdictionary.org/prudent/ diakses pada 25 April 2018.
  29. Minority Business Development Agency, US Department of Commerce, https://www.mbda.gov/news/blog/2010/08/5-cs-credit-analysis akses pada 2 November 2018.
  30. Inilah Kronologi Kematian Nasabah Citibank, dalam https://nasional.republika. co.id/berita/nasional/hukum/11/04/06/lj84g3-inilah-kronologi-kematian-nasabah-citibank, akses 5 Mei 2018 .
  31. Shahih Bukhari, Kitab al-Istiqradh wa Ada’ al-Duyun wa al-Hajr wa al-Taflis. Diambil dari aplikasi pencari hadits, http://library.islamweb.net/mainpage/ Akses 31 Oktober 2018