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Legal Protection for Micro, Small, and Medium Enterprises in Aceh: Conflict between the Banking Law and the Qanun on Islamic Financial Institutions

Samarah: Jurnal Hukum Keluarga dan Hukum Islam · Vol. 10 No. 2 (2026) · hlm. 1111–1141

DOI
10.22373/jkdeb734
ISSN
2549-3167, 2549-3132
Terbit
2026-07-31
Penerbit
Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-sa/4.0

Abstrak

This study aims to analyze legal protection for Micro, Small, and Medium Enterprises (MSMEs) in Aceh Province amidst the contestation between the National Banking Law, the Qanun on Sharia Financial Institutions (LKS), and the obligation to halal certification. Since the enactment of Aceh Qanun Number 11 of 2018, the banking system in Aceh has undergone a total transformation towards sharia, which has created challenges in capital accessibility and regulatory harmonization. On the other hand, the Halal Product Guarantee Law requires certification for all MSME products, with a transition deadline for micro-enterprises until 2026. This study uses empirical legal methods, analyzed with the theory of asymmetric autonomy and legal pluralism. Data were collected by referring to document studies and in-depth interviews. The study concludes that legal protection is needed for MSMEs in Aceh, which still face structural obstacles due to disharmony between central and regional regulations and limited sharia-supporting infrastructure. Therefore, from the perspective of the theory of asymmetric autonomy, it provides space for the formation of regulations tailored to the sociological and philosophical characteristics of the Islamic-based Acehnese society. Legal pluralism also makes it possible to harmonize state law, Islamic law and customary law so that they can live side by side de facto and de jure. The research recommends strengthening the operational technical regulations of the Qanun LKS and integrating the halal industry ecosystem through a more inclusive Sharia People's Business Credit (KUR) financing scheme to ensure the economic sustainability of the Acehnese people.

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40 penulis · 101 tautan kepenulisan bersama · 33 lintas organisasi · menampilkan 40 yang paling banyak terhubung

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  • Universitas Islam Negeri Ar-Raniry
  • Universitas Syiah Kuala
  • Malikussaleh University
  • University of Göttingen
  • The University of Osaka
  • Sekolah Tinggi Agama Islam Nahdlatul Ulama Madiun
  • Universitas Islam Negeri Mataram
  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
  • Garis lebih tebal = lebih banyak artikel bersama · lingkaran lebih besar = lebih banyak artikel
Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
Muhammad Siddiq ArmiaUniversitas Islam Negeri Ar-Raniry2
Peter-Tobias StollUniversity of Göttingen2
Malahayati RahmanMalikussaleh University2
Zahlul Pasha KarimUniversitas Islam Negeri Ar-Raniry1
Huwaida Tengku-ArmiaUniversitas Islam Negeri Ar-Raniry1
Muhammad Syauqi Bin-ArmiaUniversitas Islam Negeri Ar-Raniry1
Armiadi MusaUniversitas Islam Negeri Ar-Raniry1
Azka Amalia JihadUniversitas Islam Negeri Ar-Raniry1
Akihisa MatsunoThe University of Osaka1
Faisal FauzanUniversitas Islam Negeri Ar-Raniry1
ShabarullahUniversitas Islam Negeri Ar-Raniry1
Putri RonazhafiraUniversitas Islam Negeri Ar-Raniry1
Emk AlidarUniversitas Islam Negeri Ar-Raniry1
Badri Hasan SulaimanUniversitas Islam Negeri Ar-Raniry1
Malahayati MalahayatiAfiliasi tidak diketahui1
Yusriaina YusufSekolah Tinggi Agama Islam Nahdlatul Ulama Madiun1
Uswatun HasanahUniversitas Islam Negeri Ar-Raniry1
Syarifah RahmatillahUniversitas Islam Negeri Ar-Raniry1
Faisal A. RaniUniversitas Syiah Kuala1
Azhari YahyaUniversitas Syiah Kuala1
Adwani AdwaniUniversitas Syiah Kuala1
Muhammad AdliUniversitas Syiah Kuala1
M. JafarUniversitas Syiah Kuala1
syukri syukriUniversitas Islam Negeri Mataram1
Shabarullah ShabarullahUniversitas Islam Negeri Ar-Raniry1
Effendi HasanUniversitas Syiah Kuala1
Musliadi bin UsmanAfiliasi tidak diketahui1
Hasbi AliUniversitas Syiah Kuala1
Teuku Muttaqin MansurUniversitas Syiah Kuala1
M Adli AbdullahUniversitas Syiah Kuala1
Aufa MirantiUniversitas Syiah Kuala1
Harun HarunMalikussaleh University1
Yusrizal HasbiMalikussaleh University1
Ferdy SaputraMalikussaleh University1
Hadi IskandarMalikussaleh University1

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Sumber metadata: OAI-PMH (metadata jurnal) https://jurnal.ar-raniry.ac.id/index.php/samarah/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 7 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Legal Protection for Micro, Small, and Medium Enterprises in Aceh: Conflict between the Banking Law and the Qanun on Islamic Financial Institutions</dc:title>
	<dc:creator xml:lang="en">Yusri, Yusri</dc:creator>
	<dc:creator xml:lang="en">Fahmi, Chairul </dc:creator>
	<dc:creator xml:lang="en">Muazzin, Muazzin</dc:creator>
	<dc:creator xml:lang="en">Fitri, Ria</dc:creator>
	<dc:creator xml:lang="en">Rasyid, Laila Muhammad </dc:creator>
	<dc:subject xml:lang="en">Legal protection</dc:subject>
	<dc:subject xml:lang="en">MSMEs</dc:subject>
	<dc:subject xml:lang="en">financial institutions qanun</dc:subject>
	<dc:subject xml:lang="en">sharia-based people’s business credit</dc:subject>
	<dc:subject xml:lang="en">halal product</dc:subject>
	<dc:subject xml:lang="en">legal pluralism</dc:subject>
	<dc:description xml:lang="en">This study aims to analyze legal protection for Micro, Small, and Medium Enterprises (MSMEs) in Aceh Province amidst the contestation between the National Banking Law, the Qanun on Sharia Financial Institutions (LKS), and the obligation to halal certification. Since the enactment of Aceh Qanun Number 11 of 2018, the banking system in Aceh has undergone a total transformation towards sharia, which has created challenges in capital accessibility and regulatory harmonization. On the other hand, the Halal Product Guarantee Law requires certification for all MSME products, with a transition deadline for micro-enterprises until 2026. This study uses empirical legal methods, analyzed with the theory of asymmetric autonomy and legal pluralism. Data were collected by referring to document studies and in-depth interviews. The study concludes that legal protection is needed for MSMEs in Aceh, which still face structural obstacles due to disharmony between central and regional regulations and limited sharia-supporting infrastructure. Therefore, from the perspective of the theory of asymmetric autonomy, it provides space for the formation of regulations tailored to the sociological and philosophical characteristics of the Islamic-based Acehnese society. Legal pluralism also makes it possible to harmonize state law, Islamic law and customary law so that they can live side by side de facto and de jure. The research recommends strengthening the operational technical regulations of the Qanun LKS and integrating the halal industry ecosystem through a more inclusive Sharia People's Business Credit (KUR) financing scheme to ensure the economic sustainability of the Acehnese people.</dc:description>
	<dc:publisher xml:lang="en">Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry</dc:publisher>
	<dc:date>2026-07-31</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://jurnal.ar-raniry.ac.id/index.php/samarah/article/view/34498</dc:identifier>
	<dc:identifier>10.22373/jkdeb734</dc:identifier>
	<dc:source xml:lang="en">Samarah: Jurnal Hukum Keluarga dan Hukum Islam; Vol. 10 No. 2 (2026): Samarah: Jurnal Hukum Keluarga dan Hukum Islam; 1111-1141</dc:source>
	<dc:source>2549-3167</dc:source>
	<dc:source>2549-3132</dc:source>
	<dc:source>10.22373/xjp95t90</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jurnal.ar-raniry.ac.id/index.php/samarah/article/view/34498/pdf</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Yusri Yusri, Chairul Fahmi, Muazzin Muazzin, Ria Fitri, and Laila Muhammad Rasyid</dc:rights>
	<dc:rights xml:lang="en">http://creativecommons.org/licenses/by-sa/4.0</dc:rights>
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