Qanun Sharia Financial Institutions and Social Change Engineering Effort in Aceh Community

Abstract

The birth of Qanun Number 11 of 2018 concerning Islamic Financial Institutions is a form of engineering social change for the Acehnese people. How the engineering process and what factors support and hinder the engineering of social change in Acehnese society is the main focus of this research. The process of implementing the Qanun Sharia Financial Institutions as a social engineering tool for the Acehnese people is a method used by the Aceh Provincial Government to carry out social change. The goal to be achieved is to create a system of sharia-based financial institutions as mandated in Qanun Number 8 of 2014 concerning the Principles of Islamic Sharia which is the basis for the formation of the Qanun Sharia Financial Institutions. Through the implementation of the Qanun Sharia Financial Institutions, the local government wants to change the existing system in financial institutions operating in Aceh with a financial contract based on sharia principles. The factor that supports the implementation of the Qanun Sharia Financial Institutions is the sociological condition of the Acehnese community which has a very strong interaction with Islamic values. This condition will support the success of the process of institutionalizing and internalizing the values contained in the Qanun Sharia Financial Institutions. Meanwhile, the inhibiting factor that has emerged is the rejection of one of the Acehnese community entities in the Aceh Chamber of Commerce and Industry. The refusal to rely on economic considerations, namely claims that Aceh's export commodities will become uncompetitive, will hamper Aceh's exports. There also are obstacles to conducting foreign transactions with countries that do not yet have Islamic banks. The opposing power of the community who refuses can have a negative effect on the implementation of the Qanun Sharia Financial Institutions which will be effective in 2021.