PRINSIP-PRINSIP KEUANGAN ISLAM MENURUT ABDULLAH SAEED
Abstract: In the late 60s to
early 70s, was born a consensus of Islamic law and economic experts who say
that the interest in the banking system is part of usury, so the banks are not
in accordance with the Islamic Shari’ah. As an alternative, the experts offer
free banking model of the system of interest, with the concept of profit and
loss sharing (PLS). However, the presence of Islamic banking bore the pros and
cons among Muslim scholars. Among the leaders of the cons is Abdullah Saeed.
This article discusses the thinking Abdullah Saeed who criticize the
interpretation of usury and interest, the principle of PLS (mudarabah and
loss), and the principle of sale (murabaha). The criticism is: (1) He said,
usury is forbidden because of the exploitation of the poor, while the interest
there is no element of exploitation so that interest is not included in the
category of usury. (2) A number of requirements in practice only to protect
banking PLS. So what happens is sharing the results, but do not share the risk.
(3) Further Saeed see that Islamic banking is not better than conventional
banking. Because in fact, the practice of Islamic banking also implement a
“model of financial transactions such as interest” ie Murabaha. Murabaha profit
are uncertain and affected by time, not much different from the concept of
interest reproach.
Penulis: Sofyan Sulaiman
Kode Jurnal: jpperadabanislamdd150459
