Analisis Ekonomi Politik atas Dinamika Fatwa dan Regulasi dalam Sistem Keuangan Syariah
DOI:
https://doi.org/10.35964/albayan.v6i1.467Keywords:
Fatwa, regulation, political economy, Islamic financeAbstract
This study discusses how fatwas and regulations interact in the Islamic financial system using a political economy approach. The main issue examined is the role of DSN-MUI fatwas as a sharia basis and the role of OJK and Bank Indonesia regulations as legal rules governing industry practices. This study aims to explain how these two sources of authority work together, influence each other, and sometimes cause differences of interest in the development of Islamic finance. The research method used is a literature study by analyzing fatwa documents, regulations, and previous studies. The results show that fatwas and regulations have a complementary relationship: fatwas provide sharia legitimacy, while regulations ensure legal certainty and industry stability. However, the two are not always in harmony due to differences in focus—fatwas emphasize sharia compliance, while regulations consider technical aspects and market needs. This lack of synchronization can be an obstacle, but good coordination can accelerate innovation and strengthen the position of Islamic finance in Indonesia. This study confirms that the harmonization of fatwas and regulations is very important to create a more effective, adaptive, and sustainable Islamic financial system.
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