ANALISIS POJK NOMOR 12 TAHUN 2023 TENTANG SPIN-OFF UNIT USAHA SYARI’AH DALAM PERSPEKTIF KEPASTIAN HUKUM DAN MAQASID ASY-SYARI'AH KONTEMPORER

Humam Adi Pamungkas, NIM.: 22103080049 (2026) ANALISIS POJK NOMOR 12 TAHUN 2023 TENTANG SPIN-OFF UNIT USAHA SYARI’AH DALAM PERSPEKTIF KEPASTIAN HUKUM DAN MAQASID ASY-SYARI'AH KONTEMPORER. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

The policy regarding the spin-off of Sharia Business Units (UUS) in Indonesia has udergone a fundamental shift with the issuance of Finansial Servies Authority Regulation (POJK) Number 12 of 2023. This regulation changes the paradigm of the spin-off mandate from a deadline-based approach (as mandated by Law Number 21 of 2008) to an aset-bassed and bank-healt based approach. This shift raises juridical questions regarding legal certainty and its compatibility with the principles of Sharia welfare (maṣlaḥah). This study aims to analyze the spin-off arrangements in POJK Number 12 of 2023 from the perspective of Jasser Auda’s Systems Approach to Maqāṣid asy-Syarī‘ah and Gustav Radburch’s Theory of Legal Certainty This research is a normative juridical study employing a statute approach and a conceptual approach. Banking statistical analysis data is used qualitatively to assess the harmony between the regulatory text and the values of justice and utility for banking industry stakeholders The results indicate that, first, from Gustav Radburch’s perspective, POJK Number 12 of 2023 presents “Strategic Legal Certanty”, which corrects the rigid formalism of the previous regulation. The shift towards an asset threshold of 50 trillion is considered to better fulfill substantive justice, avoiding the condition of summum ius summa iniuria (rigid law creating supreme injustice) and respecting the principle of impossibilium nulla obligatio est for small-scale banks. Second, from Jasser Auda's perspective, this regulation aligns with the feature of Wholeness as it views the spin-off obligation not atomistically (fixated solely on a timeline), but systemically by integrating asset readiness and bank health indicators as absolute prerequisites for business continuity. Furthermore, the feature of Openness is evident in the law's responsiveness to real economic dynamics. This policy represents a reconstruction of wealth protection (ḥifẓ al-māl) oriented towards the development of a robust and sustainable Islamic banking system.

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