Strategi bank syariah mengelola risiko kepatuhan Melalui penerapan kerangka kepatuhan Syariah
Abstract
Sharia compliance is a fundamental principle that distinguishes Islamic banks from conventional banks. This study aims to analyze the strategies for managing sharia compliance risk, examine the role of the Sharia Supervisory Board (SSB), and evaluate the factors that influence the effectiveness of compliance strategies in Islamic banking. This research employs a library research approach by reviewing relevant academic and practical sources. The findings indicate that effective compliance risk management requires synergy between a comprehensive sharia compliance framework, an active role of the SSB, and the strengthening of internal compliance culture. Moreover, brand image quality and customer trust also contribute to increasing customer loyalty toward Islamic banks. To enhance the effectiveness of compliance strategies, it is necessary to improve human resource capacity—particularly the qualifications of the SSB—strengthen internal supervision systems, and provide continuous education to customers. This study is expected to serve as both a theoretical and practical reference in the development of professional and sustainable sharia compliance risk management.
Downloads
References
Anas, I. F., & Kambut, A. (2022). Analisis Implementasi Kerangka Kerja Kepatuhan Syariah Sebagai Upaya Mitigasi Risiko Kepatuhan Pada Bank Syariah. Jurnal Ekonomi Rabbani, 2(2), 247–261.
Astiti, N. N. A., & Tarantang, J. (2020). Kedudukan sharia compliance perbankan syariah di Indonesia perspektif yuridis-filosofis. Jurnal Al-Qardh, 5(2), 119–133.
Azizah, B. (2017). Pengaruh brand image dan brand trust terhadap loyalitas pelanggan melalui kepuasan pelanggan Bank Syariah di Kota Malang. Universitas Islam Negeri Maulana Malik Ibrahim.
Fasa, M. I. (2016). Manajemen Risiko Perbankan Syariah di Indonesia. Li Falah Jurnal Studi Ekonomi Dan Bisnis Islam, I (2), 36–53.
Hasan, I., & Nisa, Z. (2024). Pengaruh serqual, corporate image terhadap customer loyalty dengan customer satisfaction sebagai variabel mediasi: Studi pada nasabah PT Bank Syariah Indonesia, Tbk. KCP Genteng Banyuwangi. COSTING: Journal of Economic, Business and Accounting, 7(5), 4254–4266.
Ilyas, R. (2021). Peran Dewan Pengawas Syariah Dalam Perbankan Syariah. JPS (Jurnal Perbankan Syariah), 2(1), 42–53.
Kurnia Putri, F. R., & Hasan, I. (2024). THE EFFECT OF KNOWLEDGE, BELIEF, PRODUCTS, SERVICES, AND RELIGIOSITY ON SAVING INTEREST (Case Study on Customers of PT. Bank Syariah Indonesia in Malang City). DIMENSI, 13(3), 928–944.
Lestari, I. F., & Oktaviana, U. K. (2020). Peranan komite audit dan dewan pengawas syariah terhadap kualitas laporan keuangan (studi kasus pada BPRS di Jawa Timur). El Dinar, 8(1), 29–36.
Maslihatin, A., & Riduwan, R. (2020). Analisis Kepatuhan Syariah pada Bank Syariah: Studi Kasus Bank Pembiayaan Rakyat Syariah. Jurnal Maps (Manajemen Perbankan Syariah), 4(1), 27–35.
Muna, R. M., & Solekah, N. A. (2024). Analisis pengaruh relationship dan e-referral marketing terhadap e-kepuasan nasabah bank syariah di Kota Malang. Jurnal Dimensi, 13(2), 325–338.
Muttaqin, Q., & Khasanah, U. (2023). Analisis Kepatuhan Prinsip Syariah dalam Layanan E-Money Perspektif Maqashid Syariah. Jurnal Ilmiah Ekonomi Islam, 9(2), 1806–1811.
Nelly, R., Siregar, S., & Sugianto, S. (2022). Analisis Manajemen Risiko Pada Bank Syariah: Tinjauan Literatur. Reslaj: Religion Education Social Laa Roiba Journal, 4(4), 918–930.
Prabowo, B. A., & Jamal, J. Bin. (2017). Peranan dewan pengawas syariah terhadap praktik kepatuhan syariah dalam perbankan syariah di indonesia. Jurnal Hukum Ius Quia Iustum, 24(1), 113–129.
Rachman, A., Sunardi, S., Rahmawati, E., Jannah, L., & Billah, S. (2023). Signifikansi Peran Dewan Pengawas Syariah Dalam Menjamin Kepatuhan Syariah Pada Bank Syariah Di Indonesia. Madani Syari’ah, 6(2), 134–146.
Syahrir, D. K., Wahyudi, I., Susanti, S., Darwant, D., & Qizam, I. (2023). Manajemen Risiko Perbankan Syariah: Manajemen Risiko Perbankan Syariah. AKUA: Jurnal Akuntansi Dan Keuangan, 2(1), 58–64.
Waluyo, A. (2016). Kepatuhan bank syariah terhadap fatwa dewan syariah nasional pasca transformasi ke dalam hukum positif. INFERENSI: Jurnal Penelitian Sosial Keagamaan, 10(2), 517–538.
Copyright (c) 2025 Fajar Asnif Mashudi
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
- 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.
