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Synchronizing Sharia Financial Institution Qanun with National Regulations to Support MSMEs in Aceh

Jurnal Ilmiah Peuradeun · Vol. 13 No. 3 (2025) · hlm. 2145–2170

DOI
10.26811/peuradeun.v13i3.1978
ISSN
2443-2067, 2338-8617
Terbit
2025-09-30
Penerbit
SCAD Independent
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-sa/4.0

Abstrak

Law Number 11 of 2006 on the Government of Aceh provides a strong legal foundation for implementing Qanun Aceh Number 11 of 2018 concerning Sharia Financial Institutions. However, its effective integration with Indonesia’s national regulatory framework remains a persistent challenge. This study examines the synchronization between the Qanun and national legislation in the Sharia financial services sector, particularly in supporting the development of micro, small, and medium enterprises (MSMEs) in Aceh. Employing an empirical legal method combined with a qualitative approach, the research collected primary data from Sharia Financial Institutions in Aceh and secondary data through an extensive review of academic literature and policy documents. The findings indicate that harmonizing local and national regulations is essential for strengthening the Sharia banking system, ensuring legal certainty, and enhancing financial inclusion for MSMEs. The study proposes a synchronization model emphasizing collaborative efforts among government authorities, Sharia financial institutions, and MSMEs. Such integration is expected to foster sustainable economic growth while reinforcing Aceh’s unique legal autonomy within Indonesia’s constitutional framework. This study contributes to the discourse on legal pluralism, financial governance, and regional economic empowerment in post-conflict and special autonomy regions.

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40 penulis · 78 tautan kepenulisan bersama · 27 lintas organisasi · menampilkan 40 yang paling banyak terhubung

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  • Malikussaleh University
  • Lambung Mangkurat University
  • Universitas Islam Negeri Ar-Raniry
  • Universitas Halu Oleo
  • Leiden University
  • Universitas Islam Negeri Raden Intan Lampung
  • State University of Makassar
  • Organisasi lain
  • Afiliasi tidak diketahui
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Rekan penulisOrganisasiArtikel bersama
Fathul Mu’inUniversitas Islam Negeri Raden Intan Lampung2
Baru SadarunUniversitas Halu Oleo1
Subhan SubhanAfiliasi tidak diketahui1
Muhammad BasriState University of Makassar1
Aminuddin AminuddinAfiliasi tidak diketahui1
Rahmad PrajonoAfiliasi tidak diketahui1
La Ndia La NdiaAfiliasi tidak diketahui1
Yuni YulidaLambung Mangkurat University1
Agung Setyo WirantoLambung Mangkurat University1
Muhammad Ahsar KarimLambung Mangkurat University1
Oni SoesantoLambung Mangkurat University1
Wahyuni WahyuniHasanuddin University1
Zainuddin MukhsinAfiliasi tidak diketahui1
Juwita RakhmasariAfiliasi tidak diketahui1
Fitra PerdanaAfiliasi tidak diketahui1
Fiona AuliaAfiliasi tidak diketahui1
Emrizal Mahidin TamboesaiAfiliasi tidak diketahui1
Silvera DeviAfiliasi tidak diketahui1
Heralda FawrinAfiliasi tidak diketahui1
Yusran YusranUniversitas Halu Oleo1
Basrul BasrulAfiliasi tidak diketahui1
Fakhri FakhriAfiliasi tidak diketahui1
Muslima MuslimaAfiliasi tidak diketahui1
Evi ZuharaAfiliasi tidak diketahui1
Rizka AgustinAfiliasi tidak diketahui1
Maghfirati InsaniUniversitas Islam Negeri Ar-Raniry1
Evi ZuharaUniversitas Islam Negeri Ar-Raniry1
Siska Mona WidiaMalikussaleh University1
Sulaiman SulaimanMalikussaleh University1
Mahdi SyahbandirUniversitas Syiah Kuala1
M. GaussyahUniversitas Islam Negeri Ar-Raniry1
Mohammad HasanUniversitas Islam Nusantara1
Andini FikardaSCAD Independent1
Ismail KotoAfiliasi tidak diketahui1
Ida HanifahUniversitas Muhammadiyah Sumatera Utara1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://journal.scadindependent.org/index.php/jipeuradeun/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Synchronizing Sharia Financial Institution Qanun with National Regulations to Support MSMEs in Aceh</dc:title>
	<dc:creator xml:lang="en">Faisal, Faisal</dc:creator>
	<dc:creator xml:lang="en">Mukhlis, Mukhlis</dc:creator>
	<dc:creator xml:lang="en">PG, Eko Gani </dc:creator>
	<dc:creator xml:lang="en">Muksalmina , Muksalmina </dc:creator>
	<dc:creator xml:lang="en">Amalia, Nanda </dc:creator>
	<dc:subject xml:lang="en">Qanun Aceh</dc:subject>
	<dc:subject xml:lang="en">Sharia Financial Institutions</dc:subject>
	<dc:subject xml:lang="en">MSME Development</dc:subject>
	<dc:subject xml:lang="en">Regulator Synhronization</dc:subject>
	<dc:subject xml:lang="en">Sharia Financial Service Sector</dc:subject>
	<dc:subject xml:lang="en">Law</dc:subject>
	<dc:subject xml:lang="en">Islamic Economics</dc:subject>
	<dc:subject xml:lang="en">Art and Humanities</dc:subject>
	<dc:subject xml:lang="en">Social Sciences</dc:subject>
	<dc:subject xml:lang="en">Humanities and Cultural Studies</dc:subject>
	<dc:description xml:lang="en">Law Number 11 of 2006 on the Government of Aceh provides a strong legal foundation for implementing Qanun Aceh Number 11 of 2018 concerning Sharia Financial Institutions. However, its effective integration with Indonesia’s national regulatory framework remains a persistent challenge. This study examines the synchronization between the Qanun and national legislation in the Sharia financial services sector, particularly in supporting the development of micro, small, and medium enterprises (MSMEs) in Aceh. Employing an empirical legal method combined with a qualitative approach, the research collected primary data from Sharia Financial Institutions in Aceh and secondary data through an extensive review of academic literature and policy documents. The findings indicate that harmonizing local and national regulations is essential for strengthening the Sharia banking system, ensuring legal certainty, and enhancing financial inclusion for MSMEs. The study proposes a synchronization model emphasizing collaborative efforts among government authorities, Sharia financial institutions, and MSMEs. Such integration is expected to foster sustainable economic growth while reinforcing Aceh’s unique legal autonomy within Indonesia’s constitutional framework. This study contributes to the discourse on legal pluralism, financial governance, and regional economic empowerment in post-conflict and special autonomy regions.</dc:description>
	<dc:publisher xml:lang="en">SCAD Independent</dc:publisher>
	<dc:date>2025-09-30</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://journal.scadindependent.org/index.php/jipeuradeun/article/view/1978</dc:identifier>
	<dc:identifier>10.26811/peuradeun.v13i3.1978</dc:identifier>
	<dc:source xml:lang="en">Jurnal Ilmiah Peuradeun; Vol. 13 No. 3 (2025): Jurnal Ilmiah Peuradeun; 2145-2170</dc:source>
	<dc:source>2443-2067</dc:source>
	<dc:source>2338-8617</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.scadindependent.org/index.php/jipeuradeun/article/view/1978/1068</dc:relation>
	<dc:relation>https://journal.scadindependent.org/index.php/jipeuradeun/article/view/1978/1107</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Faisal Faisal, Mukhlis Mukhlis, Eko Gani  PG, Muksalmina  Muksalmina , Nanda  Amalia (Author)</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>