Peran dewan pengawas syariah dalam memitigasi risiko pada perbankan syariah
Abstract
This study aims to analyze the role of the Sharia Supervisory Board in mitigating risks in Islamic banking, particularly sharia compliance risk. The rapid growth of the Islamic finance industry requires effective supervision to ensure that all operational activities comply with sharia principles. This research employs a qualitative approach through literature review. The findings indicate that the Sharia Supervisory Board plays a strategic role in risk mitigation through three main functions: preventive, detective, and corrective. In its preventive role, the SSB ensures that products and contracts comply with sharia principles from the planning stage. In the detective role, the SSB conducts continuous supervision and sharia audits. Meanwhile, in the corrective role, the SSB provides recommendations for improvements when violations occur. Additionally, the SSB contributes to the implementation of risk management and Good Corporate Governance (GCG). However, challenges remain, particularly the limited availability of human resources with dual competencies in sharia and modern banking. Therefore, optimizing the role of the SSB is essential to maintain stability, reputation, and public trust in Islamic banking.
Downloads
References
Attahira, V. (2026). Peran Dewan Pengawas Syariah dalam Menjaga Kepatuhan Syariah pada Lembaga Keuangan Syariah. 1(1), 36–43.
Baihaki, R. H., Salsabila, A. Q., Chania, P. S., Firdayetti, & Nugroho, L. (2024). Pelita Optimalisasi Manajemen Risiko Syariah : Tantangan dan Strategi Lembaga Keuangan Syariah. 1(3), 168–182. https://doi.org/10.70550/pelita.v1i3.74
Efrilianartha, S. P. (2026). Studi kualitatif tentang peran sosial bank syariah dalam masyarakat pedesaan. 1(Februari), 33–42.
Firdaus, M. R. (2026). PENGAWASAN OPERASIONAL BANK SYARIAH DI INDONESIA ANALYSIS OF THE ROLE OF THE SHARIA SUPERVISORY BOARD IN SUPERVISING THE OPERATIONS OF SHARIA BANKS IN. 2(1), 277–289.
Ihyak, M., Segaf, & Suprayitno, E. (2023). Enrichment : Journal of Management Risk management in Islamic financial institutions ( literature review ). 13(2). https://repository.uin-malang.ac.id/16775/
Jaya, T. J., Meylianingrum, K., & Kholilah. (2022). Exploration Of Risk Mitigation Practices For Problematic Financing In Bank Wakaf Mikro ’ s. 6(2), 1–11. https://repository.uin-malang.ac.id/12941/
Syadali, M. R., Segaf, & Pramujianto. (2023). Enrichment : Journal of Management Risk management strategy for the problem of borrowing money for Islamic commercial banks. 13(2).
Wati, P. G., Wardana, G. K., & Holis, M. N. (2024). PENERAPAN MANAJEMEN RISIKO PEMBIAYAAN PADA PERUSAHAAN FINTECH PEGADAIAN SYARI ’ AH. 01, 19–30. https://repository.uin-malang.ac.id/19786/
Yusra, Nurnarsrina, Febriyani, N., & Huda, N. (2024). Efektivitas Peran Dewan Pengawas Syariah Dalam Meminimalkan Risiko Kepatuhan di Bank Syariah di Indonesia. 2(December), 135–144.
Copyright (c) 2026 Naufal Nabih Hisyam
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.
