The Existence of Sharia Supervisory Board in Sharia Fintech: Legal Basis and Problematic in Indonesia

Authors

  • Guno Prayitno Diponegoro University
  • Ro'fah Setyowati Diponegoro University

DOI:

https://doi.org/10.18592/sjhp.v20i2.4060

Keywords:

fintech, sharia, sharia supervisory board

Abstract

Abstrak: Kehadiran Dewan Pengawas Syariah merupakan bagian dari industri keuangan syariah tak terkecuali pada Fintech Syariah. Penelitian ini dilakukan untuk mengetahui urgensi dan tantangan eksistensi Dewan Pengawas Syariah pada Fintech Syariah di Indonesia serta landasan hukumya.  Metode pendekatan yang digunakan dalam penelitian ini adalah yuridis normatif. Hasil penelitian menyimpulkan bahwa Dewan Pengawas Syariah merupakan salah satu bentuk utama kepatuhan syariah di setiap industri keuangan syariah termasuk di Fintech Syariah di dalamnya untuk mematuhi ketentuan syariah yang menjadikan pengawasan syariah sebagai bagian yang tidak terpisahkan dari kepatuhan syariah (sharia compliance). Kehadiran Dewan Pengawas Syariah memilki tantangan keterbatasan sumber daya manusia yang ahli dalam bidang ekonomi Islam, serta anggapan bahwa Dewan Pengawas Syariah hanya sebagai objek pelengkap yang tidak terlalu penting perannya.  Selain itu, karena Fintech Syariah belum memiliki regulasi tersendiri, maka dasar hukum Dewan Pengawas Syariah pada Fintech Syariah menggunakan norma dalam peraturan perundang-undangan yang lebih umum seperti Undang-Undang Perseroan Terbatas maupun Peraturan Otoritas Jasa Keuangan yang mengatur mengenai Tata Kelola Perusahaan Yang Baik Bagi Perusahaan Pembiayaan.Kata Kunci: fintech, syariah, dewan pengawas syariah. Abstract: The existence of the Sharia Supervisory Board is part of the Islamic financial industry, including Sharia Fintech. This research was conducted to determine the urgency and challenges of the existence of the Sharia Supervisory Board on Sharia Fintech in Indonesia and its legal basis. The approach method used in this research is normative juridical. The results of the study conclude that the Sharia Supervisory Board is one of the main forms of sharia compliance in every Islamic financial industry including in Sharia Fintech to comply with sharia provisions which make sharia supervision an integral part of sharia compliance. The presence of the Sharia Supervisory Board poses the challenge of limited human resources who are experts in the field of Islamic economics, as well as the assumption that the Sharia Supervisory Board is only a complementary object whose role is not too important. In addition, because Sharia Fintech does not yet have separate regulations, the legal basis for the Sharia Supervisory Board on Sharia Fintech uses norms in more general laws such as the Limited Liability Company Law and Financial Services Authority Regulations which govern Good Corporate Governance for Financing Companies.Keywords: fintech, sharia, sharia supervisory board.Keywords: fintech, sharia, sharia supervisory board.

References

Ali, Zainudin. Metode Penelitian Hukum. Jakarta: Sinar Grafika, 2009.

Andriana, Isni, Universitas Sriwijaya, and Rusnah Muhamad. “The Professionalism of Sharia Supervisory Boards: Issues and Challenges.” Australian Journal of Basic and Applied Sciences, no. October (2015): 26–30.

Habibaty, Diana Mutia. “Peranan Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia Terhadap Hukum Positif Indonesia.” Jurnal Legislasi Indonesia 14, no. 04 (2017): 447–54.

Hiyanti, Hida, Lucky Nugroho, Citra Sukmadilaga, and Tettet Fitrijanti. “Peluang Dan Tantangan Fintech (Financial Technology) Syariah Di Indonesia.” Jurnal Ilmiah Ekonomi Islam 5, no. 3 (2020): 326–33. https://doi.org/10.29040/jiei.v5i3.578.

Kementerian PPN/BAPPENAS. “Lembar Fakta Komite Nasional Keuangan Syariah (KNKS) Dan Master Plan Arsitektur Keuangan Syariah Indonesia (Master Plan Aksi),” 2017.

Khotibul, Umam. “Urgensi Standarisasi Dewan Pengawas Syariah Dalam Meningkatkan Kualitas Audit Kepatuhan Syariah.” Jurnal Perhimpunan Mahasiswa Hukum Indonesia Cabang Daerah Istimewa Yogyakarta 1, no. 2 (2015): 114–38.

Masse, H. Rahman Ambo. “Dewan Pengawas Syariah Dan Profesionalisme Sumber Daya Manusia.” DIKTUM: Jurnal Syariah Dan Hukum 16, no. 2 (2018): 147–70. https://doi.org/10.35905/diktum.v16i2.616.

Nurhasanah, and Indra Rahmatullah. “The Legal Protection of Sharia Financial Technology in Indonesia (Analysis of Regulation, Structure and Law Enforcement).” International Journal of Advanced Science and Technology 29, no. 3 (2020): 3086–97.

OJK. “Statistik Fintech Lending Periode Februari 2020,” 2020. https://www.ojk.go.id/id/kanal/iknb/data-dan-statistik/fintech/Pages/Statistik-Fintech-Lending-Periode-Februari-2020.aspx.

Prabowo, Bagya Agung, and Jasri Bin Jamal. “Peranan Dewan Pengawas Syariah Terhadap Praktik Kepatuhan Syariah Dalam Perbankan Syariah Di Indonesia.” Jurnal Hukum IUS QUIA IUSTUM 24, no. 1 (2017): 113–29. https://doi.org/10.20885/iustum.vol24.iss1.art6.

Prastyaningsih, Ika, and Syamsuri. “Relevansi Pengawasan Islam (Hisbah) Terhadap Peran Dewan Pengawas Syariah Dalam Implementasi Syariah Complaince Perbankan Syariah.” Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Islam 3, no. 1 (2018): 1–14.

Rusydiana, Aam Slamet. “Bagaimana Mengembangkan Industri Fintech Syariah Di Indonesia? Pendekatan Interpretive Structural Model (ISM).” Al-Muzara’ah 6, no. 2 (2019): 117–28. https://doi.org/10.29244/jam.6.2.117-128.

Setyowati, Ro’fah, Bagas Heradhyaksa, and Ismail Suardi Wekke. “Sharia Compliance in the Islamic Banking Percepetion in Indonesia.” International Journal of Innovation, Creativity and Change 5, no. 2 (2019): 1608–20.

Soekanto, Soerjono, and Sri Mamudji. Penelitian Hukum Normatif (Suatu Tinjauan Singkat). Jakarta: Rajawali Pers, 2001.

Downloads

Published

2020-12-11

Issue

Vol. 20 No. 2 (2020)

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.