BUNGA PINJAMAN DALAM PERSPEKTIF KEADILAN (Studi Kasus Bunga Pinjaman di KPRI Nusantara IAIN Walisongo)

Ghufron Ajib*  -  IAIN Walisongo Semarang, Indonesia

(*) Corresponding Author

The subject matter of this study motivated several considerations. The first is that justice is the main  major Islamic mission, including social and economic justice. The opponent of justice, namely zhulm (injustice), according to the modernist is  raison d'etre of  usury prohibition, and be decisive for usury  legal issues. Second, that since 1990 up to the present system of Shari'ah financial institutions more firmly and growing rapidly with the issuance of Law number  21, 2008 On Islamic Banking and the issuance  Minister of Cooperative Regulation 91, 2004 On Guidelines for the Implementation of Activities Cooperative Business Financial Services Shariah. While the savings and loan business unit in KPRI ‘Nusantara’ since its establishment, in 1973, untill now still running a conventional loan system. In this study, primary data, the loan system and the pattern of calculating interest on savings and loans unit KPRI Nusantara, collected using three methods: participant observation, and interviews with the management and documentat.

By using the concept of social justice of John Rawls, the concept maqashid al-Sharia, and the concept of Islamic financial cooperative systems, researchers discuss the issue through three aspects of justice, namely the aspect of contract, the consistency aspect of interest, and justice aspects of cooperatives. Two discussion of this study conclude the absence of justice, namely the aspects of the contract and consistency aspects of interest. The final discussion concludes that there is justice, which is the aspect justice cooperatives.

Keywords: Riba, adil, keuangan

  1. Abdul Azis Dahlan …(et.al), Ensiklopedi Hukum Islam, Jilid 5, Jakarta: PT. Ichtiar Baru van Hoeve, 1977
  2. Adiwarman Karim, Ekonomi Makro Islam ,Jakarta: PT. RajaGrafindo Persada, 2007.
  3. Andi Soemitro, Bank dan Lembaga keuangan syari’ah, Jakarta: PT. RajaGrafindo
  4. Atang Abd. Hakim, Fiqih Perbankan Syariah (Transformasi Fiqih Muamalah ke dalam Peraturan Perundang-Undangan, Jakarat: PT Refika Aditama, 2011.
  5. Carl Jochim Friedrich, Filsafat Hukum Perspektif Historis, Bandung: Nuansa dan Nusamedia, 2004
  6. Cecep Maskanul Hakim, Belajar Mudah Ekonomi Islam (Catatan Kritis Terhadap Perkembangan Perbankan Syari’ah di Indonesia), Banten: Shuhuf Meia Insani, 2011
  7. Fathur Rahman Djamil, Filsafat Hukum Islam, Bag. I, Jakarta: Logos Wacana Ilmu, 1997,
  8. Dawam Rahardjo, Ensiklopedi al-Qur’an: Tafsir Sosial Berdasarkan konsep-Konsep Kunci, Jakrata: ParaMadina, 2002
  9. Fazlur Rahman, Tema Pokok al-Qur’an, terj.Anas Mahyuddin, Bandung: Pustaka, 1983
  10. Ghufron Ajib Mas’adi, Fikih Muamalah kontekstual, Jakarta: PT Rajagrafindo Persada, 2002.
  11. John Rawls, A Theory of Justice, London: Oxford University press, 1973, diterjemahkan dalam bahasa indonesia oleh Uzair Fauzan dan Heru Prasetyo, Teori Keadilan, Yogyakarta: Pustaka Pelajar, 2006
  12. Kasmir, Bank dan Lembaga Keuangan Lainnya, Jakarta: PT. RajaGrafindo Persada, 2008
  13. Masdar F. Mas'udi, "Meletakkan Kembali Maslahat Sebagai Acuan Syari'ah" Jurnal Ilmu dan Kebudayaan Ulumul Qur'an No.3, Vol. VI Th. 1995
  14. Moh. Nazir, Metode Penelitian, Jakarta: Ghalia Indonesia , t.th.
  15. Muh. Zuhri, Riba Dalam al-Qur’an dan Masalah Perbankan (Sebuah Tilikan Antispatif), Jakarta: PT. Rajagrafindo Persada, 1997
  16. Pandji Anoraga fdan Ninik Widiyhanti, Dinamika Koperasi, Jakarta, Rineka Cikta, 2007
  17. Thamrin Abdullah dan Francis Tantri, Bank dan Lembaga Keuangan , Jakarta: PT RajaGarfindo Persada, 2012

Open Access Copyright (c) 2016 Economica

Economica: Jurnal Ekonomi Islam
Published by the Institute of Islamic Economic Research and Development (LP2EI), Faculty of Islamic Economics and Business Universitas Islam Negeri Walisongo Semarang
Jl Prof. Dr. Hamka Kampus III Ngaliyan Semarang 50185
Phone: +62 857-1999-1679
Website: https://febi.walisongo.ac.id/
Email: economica@walisongo.ac.id

ISSN: 2085-9325 (Print)
ISSN: 2541-4666 (Online)
DOI: 10.21580/economica

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Get a feed by atom here, RRS2 here, and OAI Links here.

apps