Keywords
Money Market, Balance, Usury, Sharia Principles, Usury-Free.
How to Cite
Abstract
Mekanisme pasar uang syariah berfungsi sebagai alat keuangan yang berlandaskan prinsip Islam dengan menolak praktik yang dilarang seperti riba, gharar, dan maisir, sehingga membentuk sistem keuangan yang adil. Pasar uang ini menjadi penghubung antara pihak yang memiliki kelebihan dana dan pihak yang memerlukan dana jangka pendek melalui akad-akad syariah seperti mudharabah dan musyarakah. Artikel ini menguraikan strategi pengembangan instrumen syariah, mekanisme operasional, serta pengawasan dari OJK, Bank Indonesia, dan Dewan Syariah Nasional. Selain itu, artikel membahas peran pasar uang syariah dalam mendukung keuangan yang berkelanjutan dan inklusi finansial, serta tantangan dan peluang dalam pengembangannya di Indonesia.
The Islamic money market mechanism is a financial instrument that operates based on Islamic principles that reject the practices of usury, gharar, and maisir, thereby creating a fair financial system. The Islamic money market functions as an intermediary between parties with excess funds and parties in need of short-term funds, using contracts that comply with sharia, such as mudharabah and musyarakah. This study outlines strategies for developing Islamic money market instruments, their operational mechanisms, and supervision involving the OJK, Bank Indonesia, and the National Sharia Council. In addition, this article analyzes the potential of the Islamic money market in supporting sustainable finance and financial inclusion, as well as the challenges and opportunities faced in developing the Islamic financial market in Indonesia.
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