Main Article Content
Abstract
Implementation of Sharia Compliance is an absolute requirement that must be implemented by Sharia Banking by using the fatwa of the MUI DSN as a measuring instrument for compliance with Sharia Principles. However, in practice it is not as easy as what is discussed in theory, there are still many incidents that are prone to syar'i errors. The purpose of this study was to analyze the suitability of the application of Sharia Compliance to the BSI KUR-Mikro financing product at Bank Syariah Indonesia. This study uses a qualitative descriptive method that retrieves information trhough interviews. Data collection was obtained through interviews with employees and customers of Bank Syariah Indonesia Kudus branch. The results of this study indicate that: firts, Bank Syariah Indonesia has complied with sharia principles, because all transactions and activities are based on the fatwa of DSN MUI, and are supervised by DPS. Second, BSI KUR Micro financing products are already compliant with sharia principles because, not all businesses can be financed by BSI KUR Micro, but only businesses that have the potential to be halal. These results provide recommendations for further researchers to analyze sharia compliance not only from employee and customer assessments, but also to see sharia compliance through the Sharia Supervisory Board (DPS) directly.
Keywords: Sharia Compliance, Islamic Banking, BSI KUR Micro
Keywords
Sharia ComplianceIslamic BankingIslamic Finance
Article Details
How to Cite
Hasanah, U., Fitriani, N. ., & Hana, K. F. . (2022). Analysis of the Implementation of Sharia Compliance on BSI KUR Micro Financing Products at Bank Syariah Indonesia. BANCO: Jurnal Manajemen Dan Perbankan Syariah, 4(1), 1–12. https://doi.org/10.35905/banco.v4i1.2730
References
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‘BSI | Bank Syariah Indonesia’ <https://www.bankbsi.co.id/> [accessed 23 April 2022]
H., Masni, ‘Analisis Penerapa Shariah Compliance Dalam Produk Bank Syariah |Masni H. | Jurnal Hukum Ekonomi Syariah’, Jurnal Hukum Ekonomi Syariah, 3.2 (2019), 119–37 <https://journal.unismuh.ac.id/index.php/jhes/article/view/2451> [accessed 13 March 2022]
H, Masni, ‘Analisis Penerapa Shariah Compliance Dalam Produk Bank Syariah’, Jurnal Hukum Ekonomi Syariah, 3.2 (2019), 118–37 <https://doi.org/10.26618/J-HES.V3I2.2451>
Hidayah, Nur, Djauhar Edi Purnomo, and Hidayah Rini, ‘Pengaruh Sharia Compliance Dan Islamic Corporate Governance Terhadap Kesehatan Finansial Perbankan Syariah’, Neraca, 16.2 (2020), 1–28 <https://jurnal.umpp.ac.id/index.php/neraca/article/view/495>
Ilyas, Rahmat, ‘Manajemen Permodalan Bank Syariah’, BISNIS : Jurnal Bisnis Dan Manajemen Islam, 5.2 (2018), 323 <https://doi.org/10.21043/bisnis.v5i2.3017>
Ilyas, Rahmat, ‘Peran Dewan Pengawas Syariah Dalam Perbankan Syariah’, JPS (Jurnal Perbankan Syariah), 2.1 (2021), 42–53 <https://doi.org/10.46367/jps.v2i1.295>
Intan Apsari, Phatriakalista, Arin Setiyowati, and Fatkhur Huda, ‘Implementation Of Synergy Of Zis Fund Management In Sharia Banking And Zakat Management Organizations (Opz) For Strengthening The Zakat Ecosystem’, Perisai : Islamic Banking and Finance Journal, 6.1 (2022), 1–16 <https://doi.org/10.21070/perisai.v6i1.1590>
Janah, Ita Miftahul, and Sunan Fanani, ‘Analisis Kepatuhan Syariah Pembiayaan Musyarakah Pada Bprs Amanah Sejahtera Gresik’, Jurnal Ekonomi Syariah Teori Dan Terapan, 7.1 (2020), 151 <https://doi.org/10.20473/vol7iss20201pp151-161>
Kurrohman, Taufik, ‘Akad Pembiayaan Syariah Yang Sesuai Dengan Maqasid Syariah Dalam Perbankan Syariah’, Jurnal Surya Kencana Satu : Dinamika Masalah Hukum Dan Keadilan, 11.1 (2020), 115 <https://doi.org/10.32493/jdmhkdmhk.v11i1.5611>
Maslihatin, Aini, and Riduwan Riduwan, ‘Analisis Kepatuhan Syariah Pada Bank Syariah: Studi Kasus Bank Pembiayaan Rakyat Syariah’, Jurnal Maps (Manajemen Perbankan Syariah), 4.1 (2020), 27–35 <https://doi.org/10.32483/maps.v4i1.47>
Mongkito, Abdul Wahid, Trisno Wardy Putra, Muhammad Imran, Kiki Novita, and Andi Nasrawati Ansar, ‘Implementasi Pembiayaan Kredit Usaha Rakyat (Kur) Mikro Syariah Dalam Pengembangan Usaha Mikro’, Robust: Research of Business and Economics Studies, 1.1 (2021), 91 <https://doi.org/10.31332/robust.v1i1.2886>
Mulazid, Ade Sofyan, ‘Pelaksanaan Sharia Complience Pada Bank Syariah( Studi Kasus Pada Bank Syariah Mandiri , Jakarta )’, Madania, 20.1 (2016), 37–54
Noor, Saiz, and Suprayogo, ‘Wawancara’, 2022
Nurul Inayah, ‘“Pasti Oke” Budaya Kerja Islami Brisyariah Dan Pengaruhnya Pada Kinerja Karyawan (Studi Kasus Pada BRIsyariah Kantor Cabang Banyuwangi)’, Malia (Terakreditasi), 10.2 (2019), 269–86 <https://doi.org/10.35891/ml.v10i2.1447>
Pramiana, Omi, and Nur Anisah, ‘Implementasi Corporate Social Responsibility (Csr) Dalam Prespektif Shariah Enterprise Theory’, Eksis, 13.2 (2018), 1–14 <https://ejournal.stiedewantara.ac.id/index.php/001/issue/view>
Susilo, Edi, Analisis Pembiayaan Dan Risiko Perbankan Syariah, 1st edn (Yogyakarta: Pustaka Pelajar, 2017)
Widiastuti, Rahayu, Maria Rio Rita, and ..., ‘Apakah Kredit Usaha Rakyat (KUR) Berdampak Pada Kinerja Usaha?: Studi Pada UMKM Makanan Ringan Di Kota Salatiga’, Jurnal Visi Manajemen, 2.2 (2017), 100–115
Yarmunida, Miti, ‘Dimensi Syariah Compliance Pada Operasional Bank Syariah’, Al-Intaj : Jurnal Ekonomi Dan Perbankan Syariah, 4.1 (2018), 140–54 <https://doi.org/10.29300/aij.v4i1.1206>
Yenti, Fitri, Elfadhli, Burda Hospi, and Khairiah Elsa, ‘Kepatuhan Syariah (Syariah Compliance): Penerapannya Pada Bank Nagari Cabang Syariah Solok’, Mataram, 10.2 (2021) <http://stp-mataram.e-journal.id/JHI>
References
Ayif, Fathurrahman, and Yuyun Setiawansi, ‘Determinan Dana Pihak Ketiga Bank Umum Syariah Di Indonesia’, JIEI, 7.1 (2021), 226–36 <https://doi.org/10.46367/jps.v2i2.389>
‘BSI | Bank Syariah Indonesia’ <https://www.bankbsi.co.id/> [accessed 23 April 2022]
H., Masni, ‘Analisis Penerapa Shariah Compliance Dalam Produk Bank Syariah |Masni H. | Jurnal Hukum Ekonomi Syariah’, Jurnal Hukum Ekonomi Syariah, 3.2 (2019), 119–37 <https://journal.unismuh.ac.id/index.php/jhes/article/view/2451> [accessed 13 March 2022]
H, Masni, ‘Analisis Penerapa Shariah Compliance Dalam Produk Bank Syariah’, Jurnal Hukum Ekonomi Syariah, 3.2 (2019), 118–37 <https://doi.org/10.26618/J-HES.V3I2.2451>
Hidayah, Nur, Djauhar Edi Purnomo, and Hidayah Rini, ‘Pengaruh Sharia Compliance Dan Islamic Corporate Governance Terhadap Kesehatan Finansial Perbankan Syariah’, Neraca, 16.2 (2020), 1–28 <https://jurnal.umpp.ac.id/index.php/neraca/article/view/495>
Ilyas, Rahmat, ‘Manajemen Permodalan Bank Syariah’, BISNIS : Jurnal Bisnis Dan Manajemen Islam, 5.2 (2018), 323 <https://doi.org/10.21043/bisnis.v5i2.3017>
Ilyas, Rahmat, ‘Peran Dewan Pengawas Syariah Dalam Perbankan Syariah’, JPS (Jurnal Perbankan Syariah), 2.1 (2021), 42–53 <https://doi.org/10.46367/jps.v2i1.295>
Intan Apsari, Phatriakalista, Arin Setiyowati, and Fatkhur Huda, ‘Implementation Of Synergy Of Zis Fund Management In Sharia Banking And Zakat Management Organizations (Opz) For Strengthening The Zakat Ecosystem’, Perisai : Islamic Banking and Finance Journal, 6.1 (2022), 1–16 <https://doi.org/10.21070/perisai.v6i1.1590>
Janah, Ita Miftahul, and Sunan Fanani, ‘Analisis Kepatuhan Syariah Pembiayaan Musyarakah Pada Bprs Amanah Sejahtera Gresik’, Jurnal Ekonomi Syariah Teori Dan Terapan, 7.1 (2020), 151 <https://doi.org/10.20473/vol7iss20201pp151-161>
Kurrohman, Taufik, ‘Akad Pembiayaan Syariah Yang Sesuai Dengan Maqasid Syariah Dalam Perbankan Syariah’, Jurnal Surya Kencana Satu : Dinamika Masalah Hukum Dan Keadilan, 11.1 (2020), 115 <https://doi.org/10.32493/jdmhkdmhk.v11i1.5611>
Maslihatin, Aini, and Riduwan Riduwan, ‘Analisis Kepatuhan Syariah Pada Bank Syariah: Studi Kasus Bank Pembiayaan Rakyat Syariah’, Jurnal Maps (Manajemen Perbankan Syariah), 4.1 (2020), 27–35 <https://doi.org/10.32483/maps.v4i1.47>
Mongkito, Abdul Wahid, Trisno Wardy Putra, Muhammad Imran, Kiki Novita, and Andi Nasrawati Ansar, ‘Implementasi Pembiayaan Kredit Usaha Rakyat (Kur) Mikro Syariah Dalam Pengembangan Usaha Mikro’, Robust: Research of Business and Economics Studies, 1.1 (2021), 91 <https://doi.org/10.31332/robust.v1i1.2886>
Mulazid, Ade Sofyan, ‘Pelaksanaan Sharia Complience Pada Bank Syariah( Studi Kasus Pada Bank Syariah Mandiri , Jakarta )’, Madania, 20.1 (2016), 37–54
Noor, Saiz, and Suprayogo, ‘Wawancara’, 2022
Nurul Inayah, ‘“Pasti Oke” Budaya Kerja Islami Brisyariah Dan Pengaruhnya Pada Kinerja Karyawan (Studi Kasus Pada BRIsyariah Kantor Cabang Banyuwangi)’, Malia (Terakreditasi), 10.2 (2019), 269–86 <https://doi.org/10.35891/ml.v10i2.1447>
Pramiana, Omi, and Nur Anisah, ‘Implementasi Corporate Social Responsibility (Csr) Dalam Prespektif Shariah Enterprise Theory’, Eksis, 13.2 (2018), 1–14 <https://ejournal.stiedewantara.ac.id/index.php/001/issue/view>
Susilo, Edi, Analisis Pembiayaan Dan Risiko Perbankan Syariah, 1st edn (Yogyakarta: Pustaka Pelajar, 2017)
Widiastuti, Rahayu, Maria Rio Rita, and ..., ‘Apakah Kredit Usaha Rakyat (KUR) Berdampak Pada Kinerja Usaha?: Studi Pada UMKM Makanan Ringan Di Kota Salatiga’, Jurnal Visi Manajemen, 2.2 (2017), 100–115
Yarmunida, Miti, ‘Dimensi Syariah Compliance Pada Operasional Bank Syariah’, Al-Intaj : Jurnal Ekonomi Dan Perbankan Syariah, 4.1 (2018), 140–54 <https://doi.org/10.29300/aij.v4i1.1206>
Yenti, Fitri, Elfadhli, Burda Hospi, and Khairiah Elsa, ‘Kepatuhan Syariah (Syariah Compliance): Penerapannya Pada Bank Nagari Cabang Syariah Solok’, Mataram, 10.2 (2021) <http://stp-mataram.e-journal.id/JHI>
‘BSI | Bank Syariah Indonesia’ <https://www.bankbsi.co.id/> [accessed 23 April 2022]
H., Masni, ‘Analisis Penerapa Shariah Compliance Dalam Produk Bank Syariah |Masni H. | Jurnal Hukum Ekonomi Syariah’, Jurnal Hukum Ekonomi Syariah, 3.2 (2019), 119–37 <https://journal.unismuh.ac.id/index.php/jhes/article/view/2451> [accessed 13 March 2022]
H, Masni, ‘Analisis Penerapa Shariah Compliance Dalam Produk Bank Syariah’, Jurnal Hukum Ekonomi Syariah, 3.2 (2019), 118–37 <https://doi.org/10.26618/J-HES.V3I2.2451>
Hidayah, Nur, Djauhar Edi Purnomo, and Hidayah Rini, ‘Pengaruh Sharia Compliance Dan Islamic Corporate Governance Terhadap Kesehatan Finansial Perbankan Syariah’, Neraca, 16.2 (2020), 1–28 <https://jurnal.umpp.ac.id/index.php/neraca/article/view/495>
Ilyas, Rahmat, ‘Manajemen Permodalan Bank Syariah’, BISNIS : Jurnal Bisnis Dan Manajemen Islam, 5.2 (2018), 323 <https://doi.org/10.21043/bisnis.v5i2.3017>
Ilyas, Rahmat, ‘Peran Dewan Pengawas Syariah Dalam Perbankan Syariah’, JPS (Jurnal Perbankan Syariah), 2.1 (2021), 42–53 <https://doi.org/10.46367/jps.v2i1.295>
Intan Apsari, Phatriakalista, Arin Setiyowati, and Fatkhur Huda, ‘Implementation Of Synergy Of Zis Fund Management In Sharia Banking And Zakat Management Organizations (Opz) For Strengthening The Zakat Ecosystem’, Perisai : Islamic Banking and Finance Journal, 6.1 (2022), 1–16 <https://doi.org/10.21070/perisai.v6i1.1590>
Janah, Ita Miftahul, and Sunan Fanani, ‘Analisis Kepatuhan Syariah Pembiayaan Musyarakah Pada Bprs Amanah Sejahtera Gresik’, Jurnal Ekonomi Syariah Teori Dan Terapan, 7.1 (2020), 151 <https://doi.org/10.20473/vol7iss20201pp151-161>
Kurrohman, Taufik, ‘Akad Pembiayaan Syariah Yang Sesuai Dengan Maqasid Syariah Dalam Perbankan Syariah’, Jurnal Surya Kencana Satu : Dinamika Masalah Hukum Dan Keadilan, 11.1 (2020), 115 <https://doi.org/10.32493/jdmhkdmhk.v11i1.5611>
Maslihatin, Aini, and Riduwan Riduwan, ‘Analisis Kepatuhan Syariah Pada Bank Syariah: Studi Kasus Bank Pembiayaan Rakyat Syariah’, Jurnal Maps (Manajemen Perbankan Syariah), 4.1 (2020), 27–35 <https://doi.org/10.32483/maps.v4i1.47>
Mongkito, Abdul Wahid, Trisno Wardy Putra, Muhammad Imran, Kiki Novita, and Andi Nasrawati Ansar, ‘Implementasi Pembiayaan Kredit Usaha Rakyat (Kur) Mikro Syariah Dalam Pengembangan Usaha Mikro’, Robust: Research of Business and Economics Studies, 1.1 (2021), 91 <https://doi.org/10.31332/robust.v1i1.2886>
Mulazid, Ade Sofyan, ‘Pelaksanaan Sharia Complience Pada Bank Syariah( Studi Kasus Pada Bank Syariah Mandiri , Jakarta )’, Madania, 20.1 (2016), 37–54
Noor, Saiz, and Suprayogo, ‘Wawancara’, 2022
Nurul Inayah, ‘“Pasti Oke” Budaya Kerja Islami Brisyariah Dan Pengaruhnya Pada Kinerja Karyawan (Studi Kasus Pada BRIsyariah Kantor Cabang Banyuwangi)’, Malia (Terakreditasi), 10.2 (2019), 269–86 <https://doi.org/10.35891/ml.v10i2.1447>
Pramiana, Omi, and Nur Anisah, ‘Implementasi Corporate Social Responsibility (Csr) Dalam Prespektif Shariah Enterprise Theory’, Eksis, 13.2 (2018), 1–14 <https://ejournal.stiedewantara.ac.id/index.php/001/issue/view>
Susilo, Edi, Analisis Pembiayaan Dan Risiko Perbankan Syariah, 1st edn (Yogyakarta: Pustaka Pelajar, 2017)
Widiastuti, Rahayu, Maria Rio Rita, and ..., ‘Apakah Kredit Usaha Rakyat (KUR) Berdampak Pada Kinerja Usaha?: Studi Pada UMKM Makanan Ringan Di Kota Salatiga’, Jurnal Visi Manajemen, 2.2 (2017), 100–115
Yarmunida, Miti, ‘Dimensi Syariah Compliance Pada Operasional Bank Syariah’, Al-Intaj : Jurnal Ekonomi Dan Perbankan Syariah, 4.1 (2018), 140–54 <https://doi.org/10.29300/aij.v4i1.1206>
Yenti, Fitri, Elfadhli, Burda Hospi, and Khairiah Elsa, ‘Kepatuhan Syariah (Syariah Compliance): Penerapannya Pada Bank Nagari Cabang Syariah Solok’, Mataram, 10.2 (2021) <http://stp-mataram.e-journal.id/JHI>