MENYOAL KONSEP MURÂBAHAH DAN BAY’ BI TSAMAN ‘AJIL DALAM PERBANKAN ISLÂM
<p><strong>Abstract:</strong></p> <p>In Indonesia, Syarî’ah banking is not genuinely born from the “womb” of Islam. However, it is the result of the interference of western system and converted from conventional bank. This article is to describe the terms of <em>...
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| Format: | Article |
| Language: | Arabic |
| Published: |
Fakultas Syariah IAIN Madura
2013-08-01
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| Series: | Al-Ihkam: Jurnal Hukum dan Pranata Sosial |
| Online Access: | http://ejournal.stainpamekasan.ac.id/index.php/alihkam/article/view/304 |
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| Summary: | <p><strong>Abstract:</strong></p> <p>In Indonesia, Syarî’ah banking is not genuinely born from the “womb” of Islam. However, it is the result of the interference of western system and converted from conventional bank. This article is to describe the terms of <em>Muraba<span style="text-decoration: underline;">h</span>ah</em> and <em>bay’</em> <em>bi tsaman ’ajil</em> conceptually and substantially. In <em>fiqh</em>, the term of <em>muraba<span style="text-decoration: underline;">h</span>ah</em> and <em>bay’</em> <em>bi tsaman ‘ajil</em> are derived from the word <em>bay’</em> (purchase and sale), yet the term seems ambiguous from the perspective of product of banking. Consequently, it turns up a doubtful concept if it matches conceptual and substantial term. Theoretical concept of <em>muraba<span style="text-decoration: underline;">h</span>ah</em> and <em>bay’</em> <em>bi tsaman ‘ajil</em> is not as simple as the practical one. The practical apllication of <em>muraba<span style="text-decoration: underline;">h</span>ah</em> and <em>bay’</em> <em>bi tsaman ‘ajil</em> is in a dilemma: <em>firstly</em><em>, </em>in Islamic banking <em>muraba<span style="text-decoration: underline;">h</span>ah</em> and <em>bay’</em> <em>bi tsaman ‘ajil</em> function as financial facilitator not a finacial vendor. This is alike to conventional banking. <em>Secondly</em><em>, </em>in the transaction of <em>muraba<span style="text-decoration: underline;">h</span>ah</em> and <em>bay’</em> <em>bi tsaman ‘ajil</em>, the credit system appears, unfortunately, it refers to the rate of interest.</p> <p><strong> </strong></p> <p><strong> </strong></p> <p><strong>Key Words:</strong></p> <p><em>Murâba<span style="text-decoration: underline;">h</span>ah,</em> <em>bay’</em> <em>bi tsanam ’ajil, </em>bunga, dan bank konvensional</p> <p><strong> </strong></p> |
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| ISSN: | 1907-591X 2442-3084 |