EKONOMI ISLAM DALAM PERBANKAN : ANALISIS SUKU BUNGA DAN RIBA TERHADAP PANDANGAN ISLAM

Abstract

The issue of bank interest in modern times is a discussion that is always interesting and is now still a matter that should be discussed in the matter of Islamic economics. The issue of bank interest has become increasingly heated because the controversy over whether bank interest is permissible or not is still being discussed in the community. This article aims to solve the problems that exist in society, namely the relationship between interest rates and usury, and provide solutions to these problems. The research entitled "Islamic Economics in Banking: Analysis of Interest Rates and Usury Against Islamic Views" uses qualitative research. The research data used in this research topic is in the form of literature studies that we get from various sources of books, journals, and other sources that are very relevant to the topic of this research. Muslims have tried to think of a solution, namely by establishing an Islamic Bank. Some of the things behind the establishment of the Islamic Bank are: First, there is a desire by Muslims to avoid usury. Second, the desire of Muslims to achieve physical and spiritual welfare through muamalah activities. Third, the desire of Muslims to have an alternative to using banking services that are felt to be more appropriate.First, Islam prohibits usury, both large and small. Second, Islamic scholars are still debating about the existence of bank interest. Some argue that bank interest is usury, while others argue that it is not usury. Third, using Islamic banks in muamalah activities that are in accordance with the teachings of Islam.