Implementasi Sharia Compliance oleh Bank Muamalat Ponorogo untuk Menjamin Kepercayaan Nasabah
Keywords:
Islamic Bank, Murabahah , Contract, Public Trust, Shariah Compliance, TransparencyAbstract
This study aims to analyze the implementation of shariah compliance at Bank Muamalat Ponorogo, focusing on the application of sharia principles, the supporting and inhibiting factors of its implementation, and its impact on public trust. This research uses a qualitative, descriptive method. Data were obtained from primary and secondary sources through observation, in-depth interviews, and documentation conducted at Bank Muamalat Ponorogo Branch. Data analysis techniques were carried out through the stages of data reduction, data presentation, and conclusion drawing, while data validity was tested using source triangulation. The results of the study indicate that Shariah compliance implementation at Bank Muamalat Ponorogo has not been optimally carried out. Inconsistencies were found in transactional and institutional sharia aspects, particularly regarding the transparency of murabahah contracts and the ownership of transaction objects. In addition, limited human resources with Sharia competence hinder the customer education process, leading to negative perceptions and a decline in public trust in Islamic banks.
References
Arikunto, S. (2010). Prosedur Penelitian Suatu Pendekatan Praktek. (No Title).
Bonita, S. D., & Anwar, A. Z. (2018). Implementasi Syariah Compliance pada Akad Murabahah dan Ijarah (Studi Kasus pada KSPPS BMT Fastabiq Jepara). JESI (Jurnal Ekonomi Syariah Indonesia), 7(2), 88–97. h
Bos OJK Ungkap Alasan Industri Keuangan Syariah Tertinggal. (n.d.). Retrieved November 20, 2024, from https://www.cnbcindonesia.com/market/20210423122328-17-240273/bos-ojk-ungkap-alasan-industri-keuangan-syariah-tertinggal
CR-26. (n.d.). Diisukan Bangkrut, Ternyata Ini yang Terjadi dengan Bank Muamalat. hukumonline.com. Retrieved April 18, 2025, from https://www.hukumonline.com/berita/a/diisukan-bangkrut--ternyata-ini-yang-terjadi-dengan-bank-muamalat-lt5acde91853bd6/
Effendi, A. (2016). Industri Perbankan Syariah di Indonesia dalam Perspektif Undang-undang Nomor 21 Tahun 2008 tentang Perbankan Syariah. Wahana Akademika: Jurnal Studi Islam Dan Sosial, 1(2), 151–166.
Indrayani, S., & Mawardi, M. (2025). Konsep Keadilan dalam Ekonomi Syariah (QS. Al-Baqarah: 275-281). Indonesian Research Journal on Education, 5(1), 73–79.
Janah, I. M., & Fanani, S. (2020). Analisis Kepatuhan Syariah Pembiayaan Musyarakah Pada Bprs Amanah Sejahtera Gresik. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(1), 151–161.
Kompasiana.com. (2023, November 24). Bank Konvensional Lebih Banyak Digunakan di Indonesia Dibandingkan Bank Syariah. Kompasiana. https://www.kompasiana.com/nurul72138/655f9c0d12d50f70707b1e22/bank-konvensional-lebih-banyak-di-gunakan-di-indonesia-dibandingkan-bank-syariah
Lestari, S. (2020). Pengaruh Sharia Compliance dan Islamic Corporate Governance terhadap Kinerja Keuangan Bank Umum Syariah. Al-Sharf: Jurnal Ekonomi Islam, 1(2), 123–143.
Marlina, D. (2019). Strategi Pelayanan Customer Service dan Teller dalam Meningkatkan Kepuasan Nasabah di Bank Rakyat Indonesia (BRI) Syariah Metro Tahun 2018 [PhD Thesis, Iain Metro].
Marlina, R. (2014). Pengaruh Kepuasan Nasabah dan Syariah Compliance terhadap Loyalitas Nasabah di BNI Syariah Kantor Cabang Pembantu (KCP) Geger Kalong Bandung [PhD Thesis, UIN Sunan Gunung Djati Bandung].
Mulazid, A. S. (2016). Pelaksanaan Sharia Compliance Pada Bank Syariah (Studi Kasus Pada Bank Syariah Mandiri, Jakarta). Madania: Jurnal Kajian Keislaman, 20(1), 37–54.
Nurhaliza, N. (2022). Analisis Penerapan Syariah Compliance Terhadap Kepuasan Nasabah Studi Pada Bank Syariah Indonesia Kantor Cabang Stabat. Jurnal Ekonomi Dan Keuangan Syariah, 1(2), 163–175.
Octasari, A., Julia, J., & Abubakar, K. (2023). Analisis Penerapan Sharia Compliance Dalam Produk Pembiayaan Akad Murabahah. Al Hukmu: Journal of Islamic Law and Economics, 7–19.
OJK (2020). Roadmap pengembangan perbankan syariah indonesia 2020-2025—Penelusuran Google. (n.d.). Retrieved June 14, 2025, from https://www.google.com/search?q=OJK+(2020).+Roadmap+pengembangan+perbankan+syariah+indonesia+2020-2025
Prastiwi, I. E. (2018). Pengaruh Persepsi Anggota Pada Sharia Compliance, Komitmen Agama dan Atribut Produk Islam Terhadap Customer’s Trust Yang Berdampak Pada Keputusan Menggunakan Jasa Lembaga Keuangan Syariah (Studi Pada BMT Amanah Ummah Sukoharjo). Jurnal Ilmiah Ekonomi Islam, 4(01), 28–40.
Ridha, M., & Umiyati, U. (2022). Sharia Compliance, Islamic Corporate Governance, dan Non Performing Financing Terhadap Pengungkapan Fraud Bank Umum Syariah. Jurnal Akuntansi Dan Governance, 3(1), 1–15.
Sugiyono, Metode penelitian kualitatif dan R & D,.....h. 273. (n.d.).
Sutedi, A., & Sikumbang, R. (2009). Perbankan Syariah: Tinjauan dan Beberapa Segi Hukum. Ghalia Indonesia.
Wardayati, S. M. (2011a). Implikasi Shariah Governance terhadap Reputasi dan Kepercayaan Bank Syariah. Walisongo: Jurnal Penelitian Sosial Keagamaan, 19(1), 1–24.
Widialoka, W., Hidayat, A. R., & Azib, A. (2016). Analisis Pengaruh Kepatuhan Syariah (Shariah Compliance) terhadap Dana Pihak Ketiga. Prosiding Hukum Ekonomi Syariah, 672–678.
Wiwoho, J. (2014). Peran Lembaga Keuangan Bank dan Lembaga Keuangan Bukan Bank dalam Memberikan Distribusi Keadilan Bagi Masyarakat. Masalah-Masalah Hukum, 43(1), 87–97.
Wulpiah, W. (2017). Urgensi Penerapan Kepatuhan Syariah pada Perbankan Syariah (Telaah Konseptual-Analitis). Asy Syar’iyyah: Jurnal Ilmu Syari’ah Dan Perbankan Islam, 2(1), 100–120.
Yenti, F., Elfadhli, E., Burda, H., & Khairiah, E. (2021). Kepatuhan Syariah (Shariah Compliance): Penerapannya Pada Bank Nagari Cabang Syariah Solok. Jurnal Ilmiah Hospitality, 10(2), 191–202.
Zulhamdi, Z. (2022). Jual Beli Saham:(Suatu Kajian Praktek Jual Beli Online Shopee). Syarah: Jurnal Hukum Islam & Ekonomi, 11(1), 16–36.
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Evi Fatmayanti Putri
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International 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-NonCommercial 4.0 International 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.
