• Fahrul Fauzi Universitas Indonesia
Keywords: Conventional bank, Islamic bank, Qanun Aceh, Convertion


Nowadays, Islamic banks in Indonesia continue to experience growth, one of which is in the Province of Nanggroe Aceh Darussalam. In Aceh, in order to support Islamic financial institutions, Qanun No. 11 of 2018 concerning Islamic Financial Institutions has been formed. It is interesting to review the provisions of Article 65 which reads "When this Qanun comes into force, financial institutions operating in Aceh must adjust to this Qanun no later than 3 (three) years from the enactment of this Qanun". These provisions have an impact on every conventional bank in Aceh that must adjust to Islamic principles. In order to continue to run its business activities in Aceh, conventional banks must make adjustments to implement sharia principles. One form of adjustment is to convert conventional banks into Islamic banks as stipulated in the OJK Regulation Number 64/POJK.03/2016. The approach used by the author in analyzing this problem is a normative juridical approach supported by the literature study method.


Download data is not yet available.


Metrics Loading ...


Aceh Government Law. Law Number 11 of 2006.

Amendment Banking Law. Law Number 10 of 1998.

Bank Indonesia Regulation concerning Sharia Business Units. Bank Indonesia Regulation Number 11/10/PBI/2008.

Banking Law. Law Number 7 of 1992.

Dewi, G., Wirdyaningsih, & Barlinti. (2018). Hukum Perikatan Islam di Indonesia. Depok: Kencana.

Financial Services Authority Regulation concerning Changes in Conventional Bank Business Activities to Islamic Banks. POJK No. 64/POJK.03/2016.

Financial Services Authority. Sharia Banking Statistics December 2019. [Online] Available: https://www.ojk.go.id/

Financial Services Authority. Indonesia Banking Statistics December 2019. [Online] Available: https://www.ojk.go.id/

Harahap, Y. (2013). Hukum Perseroan Terbatas. Jakarta: Sinar Grafika.

Islamic Banking Law. Law Number 21 of 2008.

Karim, A. (2004). Bank Islam Analisis Fiqih dan Keuangan. Jakarta: PT RajaGrafindo Persada.

Kinanti, K. P. (2017). Dampak Qanun Syariah, Akankah Bank Konvensional Mundur dari Aceh. [Online] Available: https://finansial.bisnis.com/read/20171128/232/713373/dampak-qanun-syariah-akankah-bank-konvensional-mundur-dari-aceh.

Marimin, A., Romdhoni, & Fitria. (2015). Perkembangan Bank Syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 1(2), 75-87. DOI: http://dx.doi.org/10.29040/jiei.v1i02.30.

Marzuki, P. M. (2005). Penelitian Hukum. Jakarta: Kencana Prenada Group.

Medianti, U. S. (2019). Wajib Syariah Mulai 2020, Bagaimana Nasib Bank Konvensional di Aceh. [Online] Available: https://finance.detik.com/moneter/d-4715523/wajib-syariah-mulai-2020-bagaimana-nasib-bank-konvensional-di-aceh.

Moleong, L. J. (2011). Metode Penelitian Kualitatif. Bandung: Remaja Rosda Karya.

Qanun Aceh concerning Islamic Financial Institutions. Qanun Number 11 of 2018.

Qanun Aceh concerning Principles of Islamic Sharia. Qanun Number 8 of 2014.

Setiadi, T. P. W., Al Kautsar, Indra, & Hanggraeni. (2019). Pengaruh Konversi Bank Konvensional Menjadi Bank Syariah Terhadap Risiko Kebangkrutan Studi Kasus Pada Bank Aceh. E-Jurnal Ekonomi dan Bisnis Universitas Udayana, 8(6), 550-556. DOI: https://doi.org/10.24843/EEB.2019.v08.i06.p02.

Soekanto, S. (1986). Pengantar Penelitian Hukum. Jakarta: Universitas Indonesia Press.

Suyatno, T. (1993). Kelembagaan Perbankan. Jakarta: Gramedia Pustaka Utama.

Thomson, W. Dictionary of Banking: a Concise Encyclopedia of Banking Law and Practice. London: The Waverley Book Company ltd.

Wafa, M.A. (2017). Hukum Perbankan dalam Sistem Operasional Bank Konvensional dan Bank Syariah. Kordinat, 16(2), 257-270. DOI: 10.15408/kordinat.v16i2.6441.

Wirdyaningsih, Perwataatmadja, Dewi, & Barlinti. (2005). Bank dan Asuransi Islam di Indonesia. Jakarta: Sinar Grafika

How to Cite
Fauzi, F. (2020) “JURIDICAL NORMATIVE REVIEW OF CONVERSION CONVENTIONAL BANKS INTO ISLAMIC BANK AFTER THE PROMULGATION OF QANUN ACEH CONCERNING SHARIA FINANCIAL INSTITUTIONS”, Berumpun: International Journal of Social, Politics, and Humanities, 3(2), pp. 113-126. doi: 10.33019/berumpun.v3i2.31.