PRINSIP KEADILAN DAN TRANSPARANSI DALAM SISTEM PEMBIAYAAN BANK SYARIAH UNTUK KEMASLAHATAN UMAT

Penulis

  • Muhammad Abdillah Pratama Aminullah Universitas Islam Negeri Sumatera Utara
  • Stefani Universitas Islam Negeri Sumatera Utara
  • Khoirotun Nisa Limbong Universitas Islam Negeri Sumatera Utara
  • Muhammad ikhsan Harahap Universitas Islam Negeri Sumatera Utara

Kata Kunci:

Justice, Transparency,, Islamic Financing, Maqashid Shariah, Islamic Banking, Public Welfare, Profit and Loss Sharing, Sharia Contracts

Abstrak

The principles of justice and transparency are the main foundations of Islamic banking operations. These two principles ensure that every financing product and service not only complies with Sharia law but also provides tangible benefits to the wider community. This article comprehensively discusses how the principles of justice and transparency are applied in the Islamic banking financing system, as well as how their implementation contributes to the welfare of the community. This research uses a qualitative approach with a literature analysis of various regulations, journals, and related fatwas. The results of the study indicate that the implementation of these two principles can foster economic stability, increase public trust, and ensure the achievement of the objectives of maqasid al-shariah in the financial sector.

Referensi

Antonio, M. S. (2001). Bank Syariah: Dari Teori ke Praktik. Gema Insani.

Chapra, M. U. (2000). The Future of Economics: An Islamic Perspective. The Islamic Foundation.

Hasan, S. H. (2005). Mekanisme Transaksi Syariah: Prinsip-Prinsip Akad dan Implementasi di Lembaga Keuangan Islam. RajaGrafindo Persada.

Kahf, M. (2014). Islamic Economics: An Overview. International Association for Islamic Economics.

Karim, A. (2016). Bank Islam: Analisis Fiqih dan Keuangan. PT RajaGrafindo Persada.

Regulasi dan Standar Akuntansi (Konteks Indonesia)

Dewan Syariah Nasional – Majelis Ulama Indonesia (DSN-MUI). (2020). Kumpulan Fatwa Dewan Syariah Nasional: Edisi Terbaru. DSN-MUI.

Ikatan Akuntan Indonesia (IAI). (2021). Pernyataan Standar Akuntansi Keuangan (PSAK) Syariah: Seluruh Bab yang Relevan. IAI.

Republik Indonesia. (2006). Undang-Undang Republik Indonesia Nomor 3 Tahun 2006 tentang Perubahan atas Undang-Undang Nomor 7 Tahun 1989 tentang Peradilan Agama. Sekretariat Negara.

Otoritas Jasa Keuangan (OJK). (2023). Peraturan Otoritas Jasa Keuangan (POJK) terkait Tata Kelola dan Perlindungan Konsumen Lembaga Jasa Keuangan Syariah. OJK.

Unduhan

Diterbitkan

15-12-2025

Cara Mengutip

Muhammad Abdillah Pratama Aminullah, Stefani, Khoirotun Nisa Limbong, & Muhammad ikhsan Harahap. (2025). PRINSIP KEADILAN DAN TRANSPARANSI DALAM SISTEM PEMBIAYAAN BANK SYARIAH UNTUK KEMASLAHATAN UMAT. INTERNATIONAL, Journal of Sharia Business Management, 4(4), 102–115. Diambil dari https://e-journalbarokahpublisher.com/index.php/JMBS/article/view/170

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