PELARANGAN RIBA DAN PENERAPAN PRINSIP SYARIAH DALAM SISTEM HUKUM PERBANKAN DI INDONESIA
Abstract There were two perspectives regarding bank interest and usury, i.e. the perspective of interest and usury was the same thing and the other, they were a different thing, that implied to permitted bank interest in banking transactions. Indonesia throughout fatwa issued by The Indonesian Coun...
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| Format: | Article |
| Language: | English |
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Universitas Gadjah Mada
2017-10-01
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| Series: | Mimbar Hukum |
| Subjects: | |
| Online Access: | https://jurnal.ugm.ac.id/jmh/article/view/28436 |
| _version_ | 1818301339909750784 |
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| author | Khotibul Umam |
| author_facet | Khotibul Umam |
| author_sort | Khotibul Umam |
| collection | DOAJ |
| description | Abstract
There were two perspectives regarding bank interest and usury, i.e. the perspective of interest and usury was the same thing and the other, they were a different thing, that implied to permitted bank interest in banking transactions. Indonesia throughout fatwa issued by The Indonesian Council of Ulama belongs to a group who has an opinion that interest and usury were the same things. The concrete solution in that prohibition, i.e implementing sharia principle in banking that issued by DSN-MUI. The implementation of fatwa could be adjusted on real customers need. Although in practical, sharia banks have had prefered to sold and purchased contract (murabahah) than the other contracts.
Intisari
Terdapat dua pandangan terkait bunga bank dan riba yaitu pandangan yang mempersamakan bunga bank dan pandangan yang membedakan bunga bank dengan riba yang berimplikasi pada pembolehan bunga bank dalam transaksi perbankan. Indonesia melalui fatwa yang dikeluarkan oleh Majelis Ulama Indonesia termasuk dalam kelompok yang mempersamakan bunga bank dengan riba. Solusi konkrit atas larangan terhadap bunga bank yaitu dengan penerapan prinsip syariah perbankan yang telah digariskan melalui fatwa DSN-MUI. Implementasi prinsip syariah dalam produk perbankan dapat disesuaikan dengan kebutuhan riil nasabah. Namun demikian dalam praktik, entitas perbankan syariah memiliki preferensi terhadap penggunaan akad jual beli (murabahah), dibanding akad lainnya. |
| first_indexed | 2024-12-13T05:21:27Z |
| format | Article |
| id | doaj.art-033e8382a29f48b79644b8522ef35f4f |
| institution | Directory Open Access Journal |
| issn | 0852-100X 2443-0994 |
| language | English |
| last_indexed | 2024-12-13T05:21:27Z |
| publishDate | 2017-10-01 |
| publisher | Universitas Gadjah Mada |
| record_format | Article |
| series | Mimbar Hukum |
| spelling | doaj.art-033e8382a29f48b79644b8522ef35f4f2022-12-21T23:58:18ZengUniversitas Gadjah MadaMimbar Hukum0852-100X2443-09942017-10-0129339141210.22146/jmh.2843619762PELARANGAN RIBA DAN PENERAPAN PRINSIP SYARIAH DALAM SISTEM HUKUM PERBANKAN DI INDONESIAKhotibul Umam0Universitas Gadjah MadaAbstract There were two perspectives regarding bank interest and usury, i.e. the perspective of interest and usury was the same thing and the other, they were a different thing, that implied to permitted bank interest in banking transactions. Indonesia throughout fatwa issued by The Indonesian Council of Ulama belongs to a group who has an opinion that interest and usury were the same things. The concrete solution in that prohibition, i.e implementing sharia principle in banking that issued by DSN-MUI. The implementation of fatwa could be adjusted on real customers need. Although in practical, sharia banks have had prefered to sold and purchased contract (murabahah) than the other contracts. Intisari Terdapat dua pandangan terkait bunga bank dan riba yaitu pandangan yang mempersamakan bunga bank dan pandangan yang membedakan bunga bank dengan riba yang berimplikasi pada pembolehan bunga bank dalam transaksi perbankan. Indonesia melalui fatwa yang dikeluarkan oleh Majelis Ulama Indonesia termasuk dalam kelompok yang mempersamakan bunga bank dengan riba. Solusi konkrit atas larangan terhadap bunga bank yaitu dengan penerapan prinsip syariah perbankan yang telah digariskan melalui fatwa DSN-MUI. Implementasi prinsip syariah dalam produk perbankan dapat disesuaikan dengan kebutuhan riil nasabah. Namun demikian dalam praktik, entitas perbankan syariah memiliki preferensi terhadap penggunaan akad jual beli (murabahah), dibanding akad lainnya.https://jurnal.ugm.ac.id/jmh/article/view/28436interestusurysharia principles |
| spellingShingle | Khotibul Umam PELARANGAN RIBA DAN PENERAPAN PRINSIP SYARIAH DALAM SISTEM HUKUM PERBANKAN DI INDONESIA Mimbar Hukum interest usury sharia principles |
| title | PELARANGAN RIBA DAN PENERAPAN PRINSIP SYARIAH DALAM SISTEM HUKUM PERBANKAN DI INDONESIA |
| title_full | PELARANGAN RIBA DAN PENERAPAN PRINSIP SYARIAH DALAM SISTEM HUKUM PERBANKAN DI INDONESIA |
| title_fullStr | PELARANGAN RIBA DAN PENERAPAN PRINSIP SYARIAH DALAM SISTEM HUKUM PERBANKAN DI INDONESIA |
| title_full_unstemmed | PELARANGAN RIBA DAN PENERAPAN PRINSIP SYARIAH DALAM SISTEM HUKUM PERBANKAN DI INDONESIA |
| title_short | PELARANGAN RIBA DAN PENERAPAN PRINSIP SYARIAH DALAM SISTEM HUKUM PERBANKAN DI INDONESIA |
| title_sort | pelarangan riba dan penerapan prinsip syariah dalam sistem hukum perbankan di indonesia |
| topic | interest usury sharia principles |
| url | https://jurnal.ugm.ac.id/jmh/article/view/28436 |
| work_keys_str_mv | AT khotibulumam pelaranganribadanpenerapanprinsipsyariahdalamsistemhukumperbankandiindonesia |