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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) · pp. 2145–2170

DOI
10.26811/peuradeun.v13i3.1978
ISSN
2443-2067, 2338-8617
Published
2025-09-30
Publisher
SCAD Independent
Language
eng
License
creativecommons.org/licenses/by-sa/4.0

Abstract

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.

Keywords

Collaboration network of the authors

40 authors · 81 co-authorship links · 3 across different organisations · showing the 40 most connected

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Lambung Mangkurat University
  • Universitas Halu Oleo
  • Hasanuddin University
  • Universitas Syiah Kuala
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Muwaffiq JufriAffiliation unknown2
Evis GarunjaAffiliation unknown2
Evi ZuharaAffiliation unknown2
Fathul Mu’inAffiliation unknown2
Yiyi SulaemanAffiliation unknown2
Puspita Harum MaharaniAffiliation unknown2
Eni Maftu'ahAffiliation unknown2
Khairatun NapisahAffiliation unknown2
Subhan SubhanUniversitas Halu Oleo1
Baru SadarunUniversitas Halu Oleo1
Muhammad BasriAffiliation unknown1
Aminuddin AminuddinAffiliation unknown1
Rahmad PrajonoAffiliation unknown1
La Ndia La NdiaAffiliation unknown1
Yuni YulidaLambung Mangkurat University1
Agung Setyo WirantoLambung Mangkurat University1
Muhammad Ahsar KarimLambung Mangkurat University1
Oni SoesantoLambung Mangkurat University1
Wahyuni WahyuniHasanuddin University1
Zainuddin MukhsinAffiliation unknown1
Anton WidyantoAffiliation unknown1
A ArfiansyahAffiliation unknown1
Andriansyah AndriansyahUniversitas Syiah Kuala1
Miftahul JannahAffiliation unknown1
Fakhri YacobAffiliation unknown1
Riska RindayaniAffiliation unknown1
Juwita RakhmasariAffiliation unknown1
Achmadi AchmadiAffiliation unknown1
Absori AbsoriAffiliation unknown1
Arief BudionoAffiliation unknown1
Reema BhattacharyaAffiliation unknown1
Paul Atagamen AidonojieAffiliation unknown1
Raphael D. Jackson-OrtizAffiliation unknown1
Ayaza Faqih LuthfiaAffiliation unknown1
Ismail KotoAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.scadindependent.org/index.php/jipeuradeun/oai, first harvested 7 Nov 2026, last seen 8 Nov 2026.
Original metadata (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>