BAGI HASIL DAN BANK SYARI’AH (Solusi terhadap Bunga Bank)

Abstract: To save money in terms of investation is one of bank’s functions. Interest  and  production  sharing  are  kinds  of  investation  in banking  system.  Interest  is  a  marketable  entry  in  conventional banking,  however  production  sharing  is  known  in  syari’ah banking  system.  Some  people  argue  that  interest  cannot  be seperated  from  the  banking  activity,  in  fact  Islam  recommends the followers to avoid it; hence it could be substituted with term of production sharing. It matches the priciple of musyarakah and mudharabah as being taught by Rasûlullâh SAW. Bank interest is considered ribâ (excessive  interest)  and it is  forbidden  in Islam. Moreover,  production  sharing  is more  useful and beneficial  for people. Unfortunately, the value of production sharing (syarî’ah banking  product)  is  lower  than  the  value  of  banking  interest (conventional  banking  product)  due  to  the  fact  that  the ralationship established by syari’ah banking and its customer is based  on  the  principle  of  gotong  royong  (mutual  coorporation) and production sharing partnership.
Key Words: ribâ, musyarakah, mudharabah, dan bagi-hasil
Penulis: Rudy Haryanto
Kode Jurnal: jphukumdd100152

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