Kontroversi Produk Bank Shari‘ah
Abstract: This paper discusses
the views of Muslims on the nature and legitimacy of bank interest as far as
Syari’ah law is concerned. Three views are presented here. First is the view of
the neo-revivalists who argue that bank interest is legally illegitimate and that
it is a form of riba. Second is the view of—among others—Fazlur Rahman who
believes that bank interest is not riba. And third is the view that bank
interest is in the state of legal doubtfulness (shubhat). We do not support
particular view in this paper. But in principle it seems particularly
legitimate to argue that Islam is a religion of social wellbeing in which any
transaction should be free from such illegitimate practices as riba, gharar
(cheating), and financial speculation. However, we also argue that bank
interest is too complicated to be equated with riba. There are no accepted
standards and qualifications by which the two can be said as the same. To this
complex issue we dedicate our paper as a contribution to the issue at hand.
Keywords: Shari‘ah bank,
profit and lost sharing, riba
Penulis: Abdul Rokhim
Kode Jurnal: jpperadabanislamdd100046
