Bunga vs Bagi Hasil: Solusi Syari’ah dalam Membangun Ekonomi Berkeadilan
Abstract
The concept of interest applied by conventional banks in savings and loan transactions has received attention from world and national scholars. So they made various efforts in exploring laws related to bank interest. Some scholars are of the opinion that bank interest is included in riba which is forbidden in Islam, others say that the law is mubah and some others say that the law is syubhat because of the legal ambiguity between haram and mubah. Meanwhile, the profit sharing system which is the principle of Islamic banks is part of economic transactions that are allowed in Islam with a clear legal basis from the Qur'an, hadith and ijma' ulama. This study will examine the difference in the concept of interest in conventional banking and the profit-sharing system in sharia banking. This research uses library research, including keyword searches, subject searches, the latest scientific books and articles, and citation searches in scientific sources. The findings in this study are that according to the majority of scholars, both world and national scholars, it is determined that bank interest is included in the category of prohibited usury, and riba has a bad impact on society and the economy. Meanwhile, the profit-sharing system or known in Islam as the mudharabah contract is in line with the goals of sharia in safeguarding property (hifdzul maal) because there is no form of tyranny and exploitation of the community and its property. So to build a just economy, people can carry out economic transactions in accordance with the guidance of Islamic sharia and stay away from transactions that are prohibited by Islam
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