Risiko kepatuhan dalam perbankan syariah

Antara norma hukum dan etika syariah

Authors

  • Muhammad Kifah Abdan Syakuro Program Studi Perbankan Syariah Universitas Islam Negeri Maulana Malik Ibrahim Malang

Keywords:

Islamic banking, compliance risk, legal norms, sharia ethics, Islamic values

Abstract

Islamic banking in Indonesia faces unique compliance risks because it must comply with two regulatory systems at once: legal norms and Islamic sharia principles or ethics. The risks that occur not only impact the legal aspects, but can also damage reputation and erode public trust. This article reviews the definition and scope of risks inherent in Islamic banks, as well as the important role of legal norms and sharia ethics in preventing violations. Case studies, such as the case of Bank Mega Syariah, show the real consequences of the failure to manage the risks inherent. The challenge of harmonizing state law and sharia principles is highlighted, especially in the context of dual propaganda and different interpretations of regulations. This article also discusses mitigation strategies that can be implemented in an integrated manner, including enforcement of sharia supervision, internal and external audits, and development of a culture of compliance. With a holistic approach, Islamic banks are expected to be able to understand risks effectively without ignoring the integrity of Islamic values.

 

Downloads

Download data is not yet available.

Downloads

Published

2025-10-21

How to Cite

Syakuro, M. K. A. (2025). Risiko kepatuhan dalam perbankan syariah: Antara norma hukum dan etika syariah. Maliki Interdisciplinary Journal, 3(11), 457–462. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/15836

Issue

Vol. 3 No. 11 (2025): NOVEMBER

Section

Articles

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.