Konsep Riba Dalam Al-Qur’An

Abstract

Riba is an economic activity that is prohibited by the Qur’an. Chronologically, the ban has been outlined clearly. On the other hand, bank interest that become one pillar of the existence of financial institutions is rated synonymous with usury. Financial institutions have become a pillar of economic growth. The problem is why the Qur’an forbids usury, whereas various economic activities ‘need’ the existence of interest that are identical to the usury. This study found two findings. First, the prohibition of riba in the Qur’an have preceded other forms of restrictions are more morally intolerable that broadly impacts a major disadvantage in the community. On the other side of the Qur’an strongly encourages the public Makkah to help the poor and orphans around him. Second, the prohibition of riba in the Qur’an has relevance to the real sector of the economy. Therefore, the economy based on usury will naturally ignore the underlying transaction which is the basis of the real sector. As a result of the investors (capitalists) certainly fortunate while the money manager/entrepreneur is still no clarity, so that the position is unbalanced, unjust. The usurious economic system can lead to gaps world community economic growth constantly.

Knowledge of “Maghrib” (Maysir, Gharar and Riba) for the Halal Transaction of the Community

“…According to Ghofur (2016), the Qur'an itself has explained in detail the stages of the prohibition of riba. The first stage simply describes the negative elements in riba (Al-Qur'an, Ar-Ruum, 30: 39).…”

Perspektif Ekonomi Syariah Di Indonesia Tentang Riba, Bunga Bank, dan Bagi Hasil

“…Lebih lanjut riset oleh (Ghofur 2016) bahwa riba menjadi dasar utama pelarangan dalam al-qur'an, dengan riba menjadikan ketidaksemimbangan dalam ekonomi di Indonesia. Riset lainnya oleh (Syarif 2011) bahwa berbeda dengan mufassir yang memberikan konsep pada riba merupakan pemberian seseorang kepada orang lain dengan tujuan mendapat ridha alloh swt (artinya riba dengan tujuan demikian hanya pada imbalan sementara, artinya tidak sampai pada konsepsi menolong sampai di hari akhirat kelak, dengan demikian konsepsi riba (ekonomi syariah) dengan riba (ekonomi konvensioanal) jelas berbeda hasilnya, alhasil para mufassir berbeda pendapat inilah penyebabnya.…”

Penerapan al-Qawā‘id al-Uṣuliyyah dan al-Qawā‘id al-Fiqhiyah dalam Kasus Riba dan Bank Syari'ah

“…Sementara kelompok yang lain berkeyakinan bahwa hal itu merupakan dalil keharaman riba dengan adanya isyarat "lipat ganda". 20 Sedangkan terhadap QS. al-Bāqarah: 275-279, kalimat yang isi kandungannya diperdebatkan yaitu "lā Taẓlimūna wa lā Tuẓlamūn", yang maknanya tidak menzalimi dan tidak dizalimi.…”