Analisis Yuridis Perkembangan Perbankan Syariah di Indonesia dan Malaysia
(Studi Perbandingan Hukum)
DOI:
https://doi.org/10.59841/intellektika.v3i3.2791Keywords:
Banking Law, Comparative Law, Islamic BankingAbstract
This research analyzes the legal development of Islamic banking in Indonesia and Malaysia through a comparative law approach. Islamic banking has become an important component of the global financial system, yet its growth varies across countries. Indonesia's Islamic banking industry, while experiencing significant progress in recent years, still faces regulatory and institutional challenges. In contrast, Malaysia has emerged as a global hub for Islamic finance due to its integrated regulatory framework, strong government support, centralized Shariah compliance system, and established human resource development. This study employs normative legal research using primary and secondary legal sources, and applies comparative legal theory. The findings highlight the importance of legal harmonization, centralization of fatwa authorities, active government involvement, and comprehensive infrastructure development in supporting the growth of Islamic banking. Lessons from Malaysia's experience can serve as valuable references for Indonesia to enhance its Islamic banking industry and improve its competitiveness in the global market.
References
Antri Arta, Dede Nurrohman, Qomarul Huda, & Zelyn Faizatul Rohmah. (2024). Peran regulasi sebagai landasan hukum bagi pertumbuhan lembaga keuangan syariah Indonesia. Jurnal Ekonomi Syariah dan Bisnis, 7(1). https://doi.org/10.31949/maro.v7i1.5792
Atwa, M. S., & Sulistyowati. (2023). Analisis perkembangan perbankan syariah di Malaysia. Jurnal Ekonomi Bisnis dan Akuntansi, 3(2). http://dx.doi.org/10.55606/jebaku.v3i2.1728
Darma, S. (2021). Implementasi perbankan syariah di Malaysia dan Indonesia. Journal Economy and Currency Study, 3(2). https://doi.org/10.51178/jecs.v3i2.354
INCEIF (The Global University of Islamic Finance). (n.d.). About INCEIF. https://www.inceif.edu.my
International Shari’ah Research Academy for Islamic Finance (ISRA). (2020). Islamic finance in Malaysia: An overview.
Kementerian Keuangan Republik Indonesia. (1998). Undang-undang Nomor 10 Tahun 1998. https://jdih.kemenkeu.go.id/api/download/FullText/1998/10Tahun~1998UU.htm
Lukito, R. (2022). “Compare but not to compare”: Kajian perbandingan hukum di Indonesia. Journal Economy and Currency Study, 3(2). https://dx.doi.org/10.22437/ujh.5.2.257-291
Mardani. (2024). Teori hukum: Dari teori hukum klasik hingga teori hukum kontemporer. Jakarta: Kencana.
Naqiah, Z. (2022). Perbandingan kualitas audit perbankan syariah di Malaysia dan Indonesia. Jurnal Ilmu Ekonomi Islam, 6(1). https://doi.org/10.33507/labatila.v5i02.540
Purwanti, P. I., Ananda, A., Marsyalia, Nurul Fitrayani, & Nurma. (2024). Pengaruh penerapan prinsip syariah dalam perbankan Islam terhadap pertumbuhan ekonomi Indonesia. Jurnal Ekonomi dan Perbankan Syariah, 1(1).
Shariah Advisory Council of Bank Negara Malaysia. (2025, April). Mandate and functions. https://www.bnm.gov.my/sac
Undang-Undang Republik Indonesia Nomor 21 Tahun 2008 tentang Perbankan Syariah.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Intellektika : Jurnal Ilmiah Mahasiswa
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
