IMPLEMENTASI QANUN ACEH NOMOR 11 TAHUN 2018 SEBAGAI MODEL HARMONISASI HUKUM EKONOMI SYARIAH DAN KONVENSIONAL DI INDONESIA

Abstract

The Indonesian economic system is currently experiencing a dualism, with conventional and Islamic economics developing side by side. Although Islamic economics shows great potential as a driver of inclusive and equitable growth, its implementation still faces various obstacles, particularly in public policy and institutional coordination. This article aims to analyze public policies that can strengthen the synergy between Islamic economics and conventional economics in Indonesia. The research method used is qualitative-descriptive through a literature review of regulations, policies, and official documents from the Financial Services Authority (OJK), Bank Indonesia, and the National Committee for Islamic Economics and Finance (KNEKS). The analysis shows that harmonizing the two economic systems requires an integrative policy approach, including regulatory alignment, increased Islamic financial literacy, and incentives for Islamic financial institutions to expand their reach in the real sector. Furthermore, cross-institutional collaboration and inclusion-based policy innovation are needed so that Islamic economics becomes not merely a complement, but a strategic part of the national economic system. Thus, public policy plays a crucial role in creating balance and sustainability between these two complementary economic systems.

Keywords: Islamic Economics, Public Policy, Financial Inclusion