Kamis, 10 Oktober 2013

POSITION OF INTEREST BANK (TRI AYU RIWAYANI (11220035))


TRI AYU RIWAYANI (11220035)

POSITION OF INTEREST BANK


The existence illat diharamkannya usury law, according to the authors diharamkannya usury because of two thing :
a.       The existence of injustice, namely the disproportionate advantage. Actually it`s not a cause excess prohibition of usury, but rather because of the element of injustice.
b.      The exploitation of basic necessities or the gharar, uncertainty and speculation is hight,therefore,the interest is not prohibitied as long as it does not contain two element above.
Bank interest : the islmaic worldview
a.       Council of al-azhar`s islamic studies,cairo
Bank interest in all forms of loans is usury,which is forbidden. (DSI conference al-Azhar,Muharram,1385 H/May 1965 M)
b.      Interest rates prevailing in the conventional banking is usury, which is forbidden.(decision of the  9th session no.6 Makkah 0.12 to 19 rajab,1406 H )
The conclusion is generally all people say that bank interest was usury, usury whereas it acts prohibited by Islam.

REFERENSI
Mohammad Hidayat.MBA. The Sharia Economic.(Jakarta : Katalog Dalam Terbitan,2010) .
Prof.DR.H. Rachmat Syafei,MA. Fiqh Muamalah.(Bandung: CV Pustaka Setia,2001).
Zainuddin Ali, Hukum Perbankan Syariah,( Jakarta: Sinar Grafika,2010)





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