Analisis Peran Otoritas Jasa Keuagan (OJK) Sumatera Barat dalam Mengawasi Kepatuhan Bank Syariah

Bella Nikita; Harfandi Harfandi

doi:10.30640/inisiatif.v3i4.3161

Authors

Bella Nikita Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
Harfandi Harfandi Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

DOI:

https://doi.org/10.30640/inisiatif.v3i4.3161

Keywords:

OJK's Role, Supervision, Compliance

Abstract

In order to ensure sharia bank operations comply with sharia law and related banking regulations, this research was inspired by the role of the Financial Services Authority (OJK) in West Sumatra in supervising sharia banks' compliance with sharia regulations and the principles of effective supervision. The purpose of this research is to determine the extent of the role of the West Sumatra OJK in carrying out supervision in ensuring that Islamic banks comply with regulations relevant to their operations. This research uses written research with a qualitative approach. Written research is research conducted indirectly or interviews conducted virtually. Research conducted by utilizing technology and online resources conducted directly or face-to-face such as interviews, data collection, or access to information sources conducted online or via online platforms. In this research, the researcher gave questions to the staff of the OJK Bank Supervision office which were sent via OJK email which would later be answered indirectly (online). The object of this research was carried out at the West Sumatra OJK Office which is located at Jl. Khatib Sulaiman No. 68 Ulak Karang Selatan, North Padang District, Padang City, West Sumatra 25137. The following are the results of inspections carried out at the West Sumatra Financial Services Authority (OJK): 1) The West Sumatra Province Financial Services Authority (OJK) has the ability to assess and guarantee Sharia Banks in carrying out their operations. Its operations are in accordance with sharia principles. This is achieved through off-site monitoring and analysis of reports. Either through field supervision or direct OJK audit findings, or through submission of audit results by the bank. The aim is to protect the stability of the financial system, prevent risks that are detrimental to the economy, and ensure the security of customers’ trust in banking. Through OJK supervision, it will have an impact on the effectiveness of implementing sharia principles in operations, which will ultimately have an impact on improving the performance of sharia banks. 2) In order to ensure Sharia Banks comply with regulations, the West Sumatra Financial Services Authority (OJK) follows the values contained in supervision, including ideas for improving supervision now and in the future. Integrity, accountability, fair treatment, availability of information and reporting, effectiveness, adaptation, and cooperation between institutions and society are qualities that are included in the context of supervisory value.

References

Anshori, A. G. (2018). Perbankan syariah di Indonesia. Yogyakarta: Gadjah Mada University Press.

Antonio, M. (2001). Bank syariah: Dari teori ke praktik. Jakarta: Gema Insani.

Baraba, A. (2003). Prinsip dasar operasional perbankan syariah. Buletin Ekonomi Moneter dan Perbankan, 2(3), 1–8. https://doi.org/10.21098/bemp.v2i3.271

Fahmi, I. (2014). Bank & lembaga keuangan lainnya: Teori dan aplikasi. Bandung: Alfabeta.

Latif, A. (2018). Teknik pengawasan kualitas kepatuhan syariah (sharia compliance). Jurnal Ekonomi Islam, 10(1), 89–108.

Makkulau, A. R., & Anwar, W. A. (2020). Dewan pengawasan syariah pada bank syariah (tinjauan undang-undang perbankan syariah). Al-Azhar Journal of Islamic Economics, 2(2), 82–93.

OJK.go.id. (2023). Tentang OJK. OJK.go.id. Retrieved February 12, 2024, from https://www.ojk.go.id/id/tentang-ojk/Pages/Visi-Misi.aspx

Otoritas Jasa Keuangan. (2020). Mengenal Otoritas Jasa Keuangan dan industri jasa keuangan tingkat. Otoritas Jasa Keuangan.

Rachmadi, U. (2012). Aspek hukum perbankan syariah di Indonesia. Jakarta: Sinar Grafika.

Solahudin, A., & others. (2015). Pemisahan kewenangan Bank Indonesia dengan Otoritas Jasa Keuangan dalam pengawasan bank. Jurnal, 2015, 108–128.

Sumarjiyanto, N. B. M., & Widayati, T. (2020). Sistem koordinasi antara Bank Indonesia dan Otoritas Jasa Keuangan dalam pengawasan bank setelah lahirnya Undang-Undang 21 Tahun 2011 tentang OJK. JKBM (Jurnal Konsep Bisnis dan Manajemen, 6(2), 234–239.

Syukron, A. (2012). Pengaturan dan pengawasan pada bank syariah. Jurnal Ekonomi dan Hukum Islam, 2(1), 22–41.