Arsitektur Data dan Fragmentasi Pengawasan BI-OJK: Evaluasi Koordinasi Keuangan Indonesia melalui Lensa Maqashid Syariah

Slamet Santoso; Yadi Janwari; Sofian Al-Hakim

doi:10.32670/jim.v17i2.45

Authors

Slamet Santoso UIN Sunan Gunung Djati
Yadi Janwari UIN Sunan Gunung Djati
Sofian Al-Hakim UIN Sunan Gunung Djati

DOI:

https://doi.org/10.32670/jim.v17i2.45

Abstract

The separation of supervisory mandates between Bank Indonesia (BI) and the Financial Services Authority (OJK) was designed to sharpen regulatory focus, yet it has introduced structural fragmentation in data flows that undermines the capacity for early risk detection. This study examines how data moves and where it stalls within the BI-OJK supervisory cycle, and asks whether the current architecture is genuinely capable of protecting public financial welfare or merely procedurally compliant. Drawing on qualitative-descriptive analysis of regulatory documents and institutional publications, the study maps the logic of data collection, verification, aggregation, risk modeling, and policy feedback across the two institutions. It then evaluates this logic against the normative framework of Maqashid Syariah specifically the principles of hifzh al-mal (protection of systemic wealth), dar'u al-mafsadah (prevention of harm), and jalbu al-maslahah (advancement of public interest) to assess where technical design supports these goals and where it falls short. The findings suggest that identified gaps are not merely procedural inefficiencies but ethical failures in the stewardship of public financial stability. The study recommends standardizing real-time data protocols, strengthening AI-driven risk modeling governance, and formally embedding Maqashid-aligned principles within the KKSK coordination framework.

Keywords: Data Flow Logic, Macroprudential Supervision, Microprudential Supervision, Maqashid Syariah, Financial System Stability, BI-OJK Coordination.

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