Perspektif Ekonomi Syariah Di Indonesia Tentang Riba, Bunga Bank, dan Bagi Hasil

Hisam Ahyani

Abstract


Introduction / Main Objective : This study aims to reveal the existence of community conceptions related to profit sharing (Sharia economics), usury, bank interest (conventional), in terms of Islamic economics, where these 3 (three) things are unique and interesting if we discuss in the era of disruption like today. Background: The era of discipline 4.0 as it is now is very interesting and unique regarding the study of the prohibition of usury in Indonesia, what is unique is the Khilafiyah which is the basis for especially Muslims (sharia economic actors), the need for tolerance between the views of schools of thought in Indonesia regarding this usury in sharia economics (muamalah) in order to benefit together in this world and in the hereafter. Research Methods: This study uses the Library Research Method and collects data obtained by means of literature studies from books and journals relevant to studies on usury and bank interest (conventional), profit sharing (Islamic economics).Novelty: Related to research on the perspective of Islamic economics in the current era of disruption, especially in Indonesia regarding usury, and bank interest (conventional), as well as profit sharing (Islamic economics) so far no one has examined it.Findings: from a sharia economic point of view related to profit sharing, usury and also bank interest have a good impact on the economy in Indonesia, where the profit sharing system can help people in terms of social resilience, and overcome social inequalities (making tahsin / benefit of the ummah).Conclusion: The public, in their view of usury, bank interest and profit sharing within the Islamic economic community, requires tolerance in punishing these three things, as a result there is no "bank interest" in the ShariÄh economic sphere (replaced by profit sharing), which is currently being shared. this outcome (Islamic economics) is seen as an effective measure to prevent conflict in gaps in dealing with impacts on the Economy and Social Affairs, as well as resilience to the community environment.


Keywords


Shariāh economics, ŕìbā, bank interest and profit sharing

Full Text:

PDF

References


Amin, Eka Mulia Nurul al. 2020. “Kebijakan Pemerintah Mempertahankan BI 7-Day Reverse Repo Rate Sebesar 4,50%.†Iqtishaduna: Jurnal Ilmiah Ekonomi Kita 9 (2) : 125–35. Doi: 10.46367/iqtishaduna.v9i2.238.

Aravik, Havis, Achmad Irwan Hamzani, and Nur Khasanah. 2021. “Dari Konsep Ekonomi Islam Sampai Urgensi Pelarangan Riba; Sebuah Tawaran Ekonomi Islam Timur Kuran.†Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah 6 (2) : 215–32. Doi: 10.36908/isbank.v6i2.177.

Ardiansyah, Ardiansyah, Hadira Thumaninah Jibril, David Kaluge, and Kasnaeny Karim. 2019. “Permintaan Pembiayaan Murabahah Berdasarkan Tingkat Inflasi dan Suku Bunga BI Rate pada Bank Syariah di Indonesia.†Bisma: Jurnal Bisnis dan Manajemen 13 (3) : 172–80. Doi: 10.19184/bisma.v13i3.11242.

Arif, Hermita, and Muhammad Ashari. 2021. “Investigasi Praktik Riba pada Pembiayaan kepada Nelayan: Studi Kasus pada Kabupaten Takalar.†Jurnal Ekonomi Syariah Teori dan Terapan 8 (1) : 108–15. Doi: 10.20473/vol8iss20211pp108-115.

Abdurohman, Dede. 2020. “Kontrak/Akad dalam Keuangan Syariah.†Ecobankers : Journal of Economy and Banking 1 (1): 39–58. Http://journal.bungabangsacirebon.ac.id/index.php/ecobankers/article/view/72.

Ahyani, Hisyam, dan Elah Nurhasanah. 2020. “Peran Strategi Politik ÃŒslam terhadap Perekonomian di Indonesia.†MutÄwÄsith: Jurnal Hukum ÃŒslam 3 (1): 18–43. https://doi.org/10.47971/mjhi.v3i1.185.

Ahyani, Hisam, dan Muharir. 2020. “Dialog Pemikiran Tentang Norma “ŕìbÄâ€, Bunga Bank, dan “Bagi Hasil†di Era Revolusi Industri 4.0.†Eksisbank (Ekonomi SyariÄh dan Bisnis Perbankan) 4 (2): 232–54. Https://doi.org/10.37726/ee.v4i2.140.

Chrisanti, Yulita Martha, and Saryadi Saryadi. 2017. “Pengaruh Tingkat Suku Bunga, Kualitas Pelayanan dan Pendapatan Usaha terhadap Keputusan Pengambilan Kredit (Studi Kasus pada Nasabah BNI KCU UNDIP Semarang).†Jurnal Ilmu Administrasi Bisnis 6 (3) : 666–75.

Fajriah, Yana, and Edy Jumady. 2021. “Pembiayaan Bagi Hasil dan Financing to Deposit Ratio (FDR) terhadap Profitabilitas Bank Umum Syariah di Indonesia.†Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah 6 (2) : 233–48. Doi: 10.36908/isbank.v6i2.200.

Ghofur, Abdul. 2016. “Konsep Riba dalam Al-qur’an.†Economica: Jurnal Ekonomi Islam 7 (1) : 1–26. Doi: 10.21580/economica.2016.7.1.1030.

Hafnizal, Veri Mei. 2018. “Bunga Bank (Riba) dalam Pandangan Hukum Islam.†At-tasyri’: Jurnal Ilmiah Prodi Muamalah 47–60.

Ahyani, H., Mahfud, M., Waluyo, R., Ulya, W., & Muharir. (2021). The Potential of Halal Food on the Economy of The Community in the Era of Industrial Revolution 4.0. Indonesia Journal of Halal, 3 (2), 112–128. Https://doi.org/10.14710/halal.v3i2.10244

Irawati, Irawati, and Akramunnas Akramunnas. 2018. “Pengetahuan Masyarakat tentang Riba terhadap Perilaku Utang Piutang di Kecamatan Anreapi Polewali Mandar.†Laa Maisyir : Jurnal Ekonomi Islam 5 (2). Doi: 10.24252/lamaisyir.v5i2.7275.

Kalsum, Ummi. 2014. “ŔìbĆdan “Bunga Bankâ€dalam ÃŒslam (Analisis Hukum dan Dampaknya terhadap Perekonomian Umat).†Al-’adl 7 (2): 97–83. Https://doi.org/10.31332/aladl.v7i2.220.

Mokorowu, Lian Arke, Debby CH Rotinsulu, and Daisy S. M. Engka. 2021. “Pengaruh Pendapatan Asli Daerah (PAD), Dana Bagi Hasil (DBH, Dana Alokasi Umum (DAU) dan Dana Alokasi Khusus (DAK) terhadap Pertumbuhan Ekonomi Kabupaten Minahasa Tenggara.†Jurnal Pembangunan Ekonomi dan Keuangan Daerah 20 (8) : 18–31. Doi: 10.35794/jpekd.31645.20.8.2021.

Muin, Rahmawati. 2018. “Perilaku Masyarakat terhadap Pelaksanaan Arisan Lelang dalam Perspektif Ekonomi Islam (Studi Kasus Masyarakat Desa Paomacang Luwu Utara).†Laa Maisyir : Jurnal Ekonomi Islam 5 (1). Doi: 10.24252/lamaisyir.v5i1.4956.

Mashuri. 2017. Analisiis Dampak “Bunga Bankâ€(“ŕìbÄâ€) bagi Perekonomian Negara. IqtishÄÄduna: Jurnal Ilmiah Ekonomi Kita, 98-107.https://ejournal.stiesyariÄhbengkalis.ac.id/index.php/iqtishaduna/article/view/97.

Marlina, Lina. 2020. “Faktor-Faktor yang Mempengaruhi Minat Non Muslim Menjadi Nasabah Bank SyariÄh di Tasikmalaya.†Eqien: Jurnal Ekonomi dan Bisnis 7 (1): 33–40. Https://doi.org/10.34308/eqien.v7i1.110.

Marlina, Lina, dan Jajang Iskandar. 2019. “Pengaruh “Bagi Hasil†dan Pendapatan Per Kapita terhadap Peningkatan Dana Pihak Ketiga.†Jurnal Ekonomi SyariÄh 4 (1). Https://doi.org/10.37058/jes.v4i1.798.

Ni’mah, Rohmatun, dan Indah Yuliana. 2020. “E-Wallet: Sistem Pembayaran dengan Prinsip Hifzul MÄl.†Jurnal Ekonomi SyariÄh 5 (2): 52–66. Https://doi.org/10.37058/jes.v5i2.2016.

Nazhifah, Naurah, Iwan Wisandani, dan Lina Marlina. 2020. “Analisis Implementasi PSAK 101 pada Laporan Keuangan di KSPPS BMT Al-Bina Tasikmalaya.†Jurnal Ekonomi SyaariÄh 5 (1): 42–58. Https://doi.org/10.37058/jes.v5i1.1577.

Pakpahan, Elpianti Sahara. 2020. “Pengharaman Riba dalam Islam.†Jurnal Ilmiah Al-Hadi 4 (2) : 865–76.

Primadhita, Yuridistya, Anggraita Primatami, and Susilowati Budiningsih. 2021. “Determinan Pembiayaan Bagi Hasil pada Perbankan Syariah:†Ekomabis: Jurnal Ekonomi Manajemen Bisnis 2 (01) : 1–10. Doi: 10.37366/ekomabis.v2i01.149.

Permana, Iwan, dan Gina Sakinah. 2020. “Peran WakÄf sebagai ÃŒslamic Social Finance dalam Pemberdayaan Pondok Pesantren Tahfidz Al Maa Parung Bogor.†Jurnal Ekonomi SyariÄh 5 (2): 67–76. Https://doi.org/10.37058/jes.v5i2.1991.

Putra, Yahya Hidayat. 2018. “Tinjauan Hukum ÃŒslam terhadap Pola “Bagi Hasil†(Mudarabah) pada BUMP (Studi Kasus di Pondok Pesantren Al-Luqmaniyyah Umbulharjo Yogyakarta).†Al-MÄzÄhib : Jurnal Pemikiran Hukumm 5 (2). Http://ejournal.uin-suka.ac.id/syariÄh/almazahib/article/view/1425.

Rahmatika, Arivatu Ni’mati. 2014. “Dual Banking System di Indonesia.†At-Tahdzib: Jurnal Studi Islam dan Muamalah 2 (2) : 133–47.

Rasyid, Rasyidin. 2021. “Bunga Bank adalah Riba |.†Retrieved February 11, 2021 (https://repository.uia.ac.id/2021/01/12/bunga-bank-adalah-riba/).

Rusandry, Rusandry. 2021. “Strategi Peningkatan Pembiayaan Bagi Hasil pada Bank Syariah di Indonesia.†Jurnal Ilmiah Wahana Pendidikan 7 (1) :102–14. Doi: 10.5281/zenodo.4486304.

Sirajuddin, Sirajuddin. 2018. “Sistem Appattimoro’ pada Petani di Kelurahan Campaga Kecamatan Tompobulu Kabupaten Bantaeng.†Laa Maisyir : Jurnal Ekonomi Islam 4 (2). Doi: 10.24252/lamaisyir.v4i2.4418.

Syarif, Mujar Ibnu. 2011. “Konsep Riba dalam Alquran dan Literatur Fikih.†Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah 3 (2) : 293-312–312. Doi: 10.15408/aiq.v3i2.2527.

Toluhula, Uki Setiawan. 2008. “Dual Banking System.†Universitas Gadjah Mada. Williantara, Gede Ferdi, and I. Gusti Ayu Nyoman Budiasih. 2016. “Pengaruh Pendapatan Asli Daerah, Dana Alokasi Umum, Dana Alokasi Khusus, dan Dana Bagi Hasil pada Indeks Pembangunan Manusia.†E-jurnal Akuntansi 16 (3) : 2044–70.

Yulianti, Rahmani Timorita. 2016. “Riba dalam Perspektif Ekonomi Islam.†Millah: Jurnal Studi Agama 1 (2) : 51–70.

Tabroni, Imam, Hisam Ahyani, dan Dian Permana. 2021. “Philosophical Review Of Materialism and Idealism Limits Of Wedding Age In Indonesia; Study of Article 7 Paragraph (1) of Law 16 of 2019 jo. Law 1 of 1974 concerning marriage | muttaqien: indonesian journal of Multidiciplinary Islamic Studies†2 no 01 (2021). Http://e-jurnal.staimuttaqien.ac.id/index.php/mtq/article/view/111

Zaelani, Abdul Qodir. 2012. “Bunga Bank dalam Perspektif Sosio-Ekonomi dan Ushul Fiqh (Studi atas Pemikiran M. Umer Chapra).†ASAS 4(2). Doi: 10.24042/asas.v4i2.1678.

Ahyani, Hisam, Dian Permana, dan Agus Yosep Abduloh. 2020. “Dialog Pemikiran tentang Norma “ŔìbÄâ€, Bunga Bank, dan “Bagi Hasil†di Kalangan Ulama.†Kordinat: Jurnal Komunikasi antar Perguruan Tinggi Agama ÃŒslam 19 (2): 247-264–264. Https://doi.org/10.15408/kordinat.v19i2.18899.

Ahyani, Hisam, and Memet Slamet. 2021. “Proses Jurnal At-Tanwir Umgo 27 Jan 2021 Tinjauan Hukum Islam terhadap Wanprestasi Perjanjian Kerja Dosen Tetap di PTKS Jawa Barat.â€

Ahyani, Hisam, Muharir Muharir, and Widadatul Ulya. 2021. “Potensi Wisata Halal Kota Banjar, Jawa Barat di Era Revolusi Industri 4.0.†Tornare: Journal of Sustainable and Research 3 (1):4–12. Doi: 10.24198/tornare.v3i1.31511.




DOI: https://doi.org/10.37058/jes.v6i1.2538

Refbacks

  • There are currently no refbacks.


Journal index by:

 

 

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.Â