Manajemen Risiko Kepatuhan Syariah dalam Lembaga Keuangan Syariah

Authors

  • Country of Hasnah Haron Hasnah Haron Universiti Sains Islam Malaysia
  • Country of M. Sholeh Wafie M. Sholeh Wafie Universitas Nahdlatul Ulama Pasuruan
  • Country of Salsabila Firdaus Salsabila Firdaus Universitas Nahdlatul Ulama Pasuruan

DOI:

https://doi.org/10.55757/tasharruf.v6i2.1152

Keywords:

Islamic finance, Risk management, Sharia compliance

Abstract

Sharia compliance is a key pillar in the operations of Islamic financial institutions, which continues to grow along with the development of the global Islamic financial industry. Sharia compliance risk management is a crucial factor in protecting institutions from the risk of non-compliance, which can seriously impact business sustainability, reputation, and consumer trust. This article discusses critical aspects of Sharia compliance risk management, including (A) definitions and basic principles, (B) risk identification and evaluation, (C) mitigation strategies, and (D) the application of technology in risk management. Case studies and practical examples are presented to provide a concrete picture of the challenges and solutions faced by Islamic financial institutions. With a comprehensive approach, this article is expected to provide insight into the importance of Sharia compliance risk management in maintaining the integrity and stability of Islamic financial institutions in the global market.

References

Abbas, A., Rayyani, W. O., & Purnamasari, R. (2023). Model Manajemen Resiko pada Lembaga Keuangan Syariah. Indonesia Journal of Humanities and Social Sciences, 4(3), 31. https://doi.org/10.20473/aijief.v3i1.19326

Al-Bogami, S. A. (2023). Saudi Banks Level of Compliance with Accounting Standards of Accounting and Auditing Organization for Islamic Financial Institutions. Information Sciences Letters, 12(2), 1041–1052. https://doi.org/10.18576/isl/120240

Aleraig, M. A. (2023). Islamic accounting applications of Islamic finance. Islamic Accounting and Finance A Handbook, 3–41. https://doi.org/10.1142/9781800612426_0001

Alfani, M., & Solihin, K. (2023). Efektivitas Monitoring Sebagai Upaya Meminimalisir Pembiayaan Bermasalah. JIOSE: Journal of Indonesian Sharia Economics, 2(1), 1–16. https://doi.org/10.35878/jiose.v2i1.527

Aryanti, F. P., Nurhalizah, F., & Jannah, H. (2022). Pengaruh Kontribusi Pembiayaan Mikro Modal Kerja di dalam Lembaga Keuangan Perbankan Syariah terhadap Pengembangan Usaha Mikro Kecil dan Menengah (UMKM) di Kota Palembang (Studi Kasus Bank Syariah Indonesia KC Demang). Ekonomis: Journal of Economics and Business, 6(2), 699. https://doi.org/10.33087/ekonomis.v6i2.566

Asyiqin, I. Z. (2025). Islamic Economic Law in the Digital Age: Navigating Global Challenges and Legal Adaptations. Media Iuris, 8(1), 95–112. https://doi.org/10.20473/mi.v8i1.61800

Atif, M. (2021). Islamic FinTech: The digital transformation bringing sustainability to islamic finance. Covid 19 and Islamic Social Finance, 91–103. https://doi.org/10.4324/9781003121718-9

D Amri, A., Afrilia Setiawan, A., Ibnu Syifa, M., Indah Ningrum, P., Mutiasari, R., & -, W. (2024). Analisis Manajemen Risiko Pembiayaan Pada Pegadaian Syariah (Studi pada Pegadaian Syariah Cabang Jelutung Kota Jambi). ILTIZAM Journal of Shariah Economics Research, 8(1), 60–69. https://doi.org/10.30631/iltizam.v8i1.2433

Elda Unike Atmajaya, Dwi putri, D. P. N., Serly, S. A. P., Diska, S. N. G., & Arin, A. G. M. (2024). Kepatuhan Syariah (Syariah Compliance) Pada Lembaga Keuangan Mikro Syariah. Journal of Economics and Business, 2(1), 133–143. https://doi.org/10.61994/econis.v2i1.473

Hafasnuddin. (2022). What drives Islamic banking customers’ satisfaction and loyalty: financial or spiritual benefits? Journal of Sustainable Finance and Investment. https://doi.org/10.1080/20430795.2022.2105789

Hamsin, M. K. (2023). Sharia E-Wallet: The Issue of Sharia Compliance and Data Protection. Al Manahij Jurnal Kajian Hukum Islam, 17(1), 53–68. https://doi.org/10.24090/mnh.v17i1.7633

Hidayat, M. S. (2022). Risiko Dan Mitigasi Bank Syariah.

Irma Yuliani, S.E., M. S. (2023). Manajemen Sumber Daya Manusia. In Sustainability (Switzerland) (Vol. 11, Issue 1).

Jannah, S. N., & Laily Nisa, F. (2024). Peranan Dewan Pengawas Syariah Terhadap Syariah Compliance Pada Perbankan Syariah di Indonesia. Jurnal Ekonomi Manajemen Dan Bisnis, 1(5), 62–67.

Khoirudin, M. A., Shafrani, Shofwa, Y., Muliawati, N., Wildan, K., & Rinardi, A. I. (2024). Analisis Peran Bank Syariah Melalui Pelayanan Qris Dalam Pengembangan Pariwisata Halal. Jurnal Organisasi Dan Manajemen Indonesia, 3(1), 50–57.

Malfertheiner, P. (2022). Management of Helicobacter pylori infection: the Maastricht VI/Florence consensus report. Gut, 71(9), 1724–1762. https://doi.org/10.1136/gutjnl-2022-327745

Minaryanti, A. A. (2024). A systematic literature review on the role of sharia governance in improving financial performance in sharia banking. Journal of Islamic Accounting and Business Research, 15(4), 553–568. https://doi.org/10.1108/JIABR-08-2022-0192

Muhammad Farid, W. A. (2021). Manajemen Risiko Dalam Perbankan Syariah. Jurnal Akuntansi Dan Keuangan Islam, 3(2), 067–080. https://doi.org/10.31857/s013116462104007x

Pangestu, D. A. (2023). Penggunaan Teknologi Blockchain Dalam Transaksi Keuangan Syari’Ah. 1–102.

Pratama, N. S., Nahong, M. S., Maria, Nggi, A., Shanchay, Leki, R. S., & Bhebhe, A. C. (2024). Pengaruh Kecerdasan Buatan Dalam Proses Audit Keuangan: Tantangan Dan Peluang Di Era Digital. Jurnal Locus Penelitian Dan Pengabdian, 2(12), 1181–1190. https://doi.org/10.58344/locus.v2i12.2333

Qothrunnada, N. A., Iswanto, J., Fitrotus, D., Hendrarti, B. G., & Subekan, S. (2023). Transformasi Digital Lembaga Keuangan Syariah: Peluang dan Implementasinya di Era Industri 4.0. Indonesian Journal of Humanities and Social Sciences, 4(3), 741–756.

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. https://doi.org/10.51476/madanisyariah.v6i2.517

Rahman, Y. R. (2024). Analisis Kinerja Dewan Pengawas Syariah Dalam Meningkatkan Kualitas Audit Pada Perbankan Syariah.

Salsabila, P., Irtiqouli’ulya, & Yazid, M. (2024). PROSEDUR PEMBERIAN PEMBIAYAAN BSI KUR ( KREDIT USAHA RAKYAT ) SEBAGAI BENTUK MANAJEMEN RISIKO PEMBIAYAAN PADA BSI KCP. Jurnal DInamika Ekonomi Syariah, 11(2), 76–83.

Samsudin, A. R., Mukhlas, O. S., & Rusyana, A. Y. (2024). Prospek Masa Depan Dual Banking System Dalam Konteks Globalisasi Ekonomi Syariah. Eco-Iqtishodi : Jurnal Ilmiah Ekonomi Dan Keuangan Syariah, 6(1), 59–78. https://doi.org/10.32670/ecoiqtishodi.v6i1.4476

Saputra, E., & Suwardi. (2023). Mitigasi Risiko Kepatuhan Bank Syariah Terhadap Prinsip Syariah. AL-IQTISHAD : Jurnal Perbankan Syariah Dan Ekonomi Islam, 1(1), 23–33. https://doi.org/10.47498/iqtishad.v1i1.2155

Saputri, L. I., Ansori, M., Islam, U., Ulama, N., Operasional, P. K., & Syariah, K. (2024). IMPLEMENTASI INDEKS MAQASHID SYARIAH DI BMT ALHIKMAH SEMESTA. 9(204), 2297–2316.

Saputro, R. W., & Mardiyati, S. (2024). Penggunaan Teknologi Blockchain dalam Keamanan Sistem Pendistribusian Data. Jurnal Serambi Mekkah, 1(4).

Sari, Avita, Y., & Suryanto, T. (2024). Tantangan Audit Syariah Di Asia Tenggara : Studi Perbandingan Indonesia Dan Malaysia. Jurnal Pendidikan Akuntansi Indonesia, 22(1), 83–92. https://doi.org/10.21831/jpai.v22i1.68208

Setiawati, K., Baihaqi, S. A., Azahra, S. R., Apriliawati, V., Fajrussalam, H., Sistem, P., & Informasi, T. (2024). Inovasi Keuangan Islam: Peran Fintech dalam Perbankan Syariah. Jurnal Ilmu Hukum, 1(2), 119–124.

Published

2025-11-09

How to Cite

Haron, H., Wafie, M. S., & Firdaus, S. (2025). Manajemen Risiko Kepatuhan Syariah dalam Lembaga Keuangan Syariah. Tasharruf : Journal of Islamic Economics and Business, 6(2), 33–50. https://doi.org/10.55757/tasharruf.v6i2.1152

Similar Articles

1 2 3 4 5 6 > >> 

You may also start an advanced similarity search for this article.