Mekanisme Kerja Perbankan Islam dan Permasalahannya  

Oleh:

Arifin, Zainul

Jenis: Article from Journal - ilmiah nasional - tidak terakreditasi DIKTI
Dalam koleksi: Jurnal Hukum Bisnis vol. 11 (2000), page 43-49.
Topik: PERBANKAN; perbankan islam

Ketersediaan

Perpustakaan Pusat (Semanggi) Nomor Panggil: JJ102.1 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada

Lihat Detail Induk

Isi artikel

Islam clearly prohibits every payment of interest (riba) collected from various forms of loans. The current banking system, based on interest rates, has several weak points, among others, transactions based on interest rates violates social justice or doing proper busienss. In the system of interest rates, the bank keeps on interest in business partnership except in case of guaranteed assurance to return their capital and itnerest yields. According to the views of shariah, money does not constitue a certain commodity but forms only as a medium to achieve economic added value. Thus, the relationship between islamic banks and their clients characterizes more the partnership than acting as lender. Law number 10 year 1998 on banking has accomodated all banking activities based on shari'ah, among others financing based onr evenue sharing (mudharabah), financing based on equity participation (musharakah) and the principle of sale and purchase of goods based on generating profit (murabahah). A number of regulation have been issued ot complete said law, starting from services to collect and to distribute funds and valuable papers based on shariah principles. However, society itself apparently does not seem to be ready to accept the mudharabah conditions, which are carried out based on the principles of profit and loss sharing society rather inclines to the mechanism of revenue sharing.

Opini Anda

Klik untuk menuliskan opini Anda tentang koleksi ini!

Kembali