IMPLEMENTASI MAQASHID SYARIAH DALAM KEBIJAKAN PENYALURAN PEMBIAYAAN BANK SYARIAH: PENDEKATAN MASLAHAH KONTEMPORER
Keywords:
Maqāṣid al-Sharīʿah, Financing Policy, Contemporary Maṣlaḥah, Maṣlaḥah Scorecard, Maṣlaḥah Risk.Abstract
This study examines the implementation of Maqāṣid al-Sharīʿah in Islamic banks' financing policies through the lens of the contemporary maṣlaḥah approach. The study is motivated by the criticism that Islamic banking remains constrained by a legal-formalistic (shariah-compliant) paradigm, characterized by the overwhelming dominance of murābaḥah contracts and rigid physical collateral requirements embedded in internal banking standard operating procedures (SOPs). This research employs a qualitative descriptive method based on a library research approach. Secondary data were collected from banking regulations, fatwas issued by the National Sharia Council–Indonesian Council of Ulama (DSN-MUI), annual reports, and relevant scholarly literature, which were analyzed using content analysis. The findings propose an operational reconstruction of financing policies through the formulation of a Maṣlaḥah Scorecard. This model integrates the conventional 5C credit assessment framework with macro-level maṣlaḥah values oriented toward human development, social justice, and environmental sustainability. Furthermore, the study introduces the concept of maṣlaḥah risk, whereby financing activities involving environmentally destructive industries or businesses that exploit labor are explicitly classified as a destruction of maṣlaḥah. The presence of such risks automatically renders financing proposals ineligible for approval, even when they offer substantial financial returns. The study concludes that transforming Islamic banking from a shariah-compliant paradigm to a shariah-driven framework through contemporary maṣlaḥah indicators is essential for restoring the authentic mission of Islamic financial institutions. This model urges Islamic banks to move beyond the pursuit of short-term profitability and instead act as proactive agents of equitable, inclusive, and sustainable public welfare.
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