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.
Penulis: Rudy Haryanto
Kode Jurnal: jphukumdd100152
