Islamic Legal Analysis of Bank Interest Allocation on Social Fund: A Case Study of Small Credit Bank (BPR) NBP 21 Panyabungan City
DOI:
https://doi.org/10.30631/alrisalah.v23i2.1442Keywords:
Ash Ziqri Savings, Social Fund, Islamic LawAbstract
The aim of this study was to determine the position of Ash Ziqri savings in conventional bank from Islamic law perspective using empirical legal study methods. This was achieved by collecting data through document study, observation, and interviews. The results showed that Ash Ziqri savings with bank interest withdrawal rate of 5% were considered usury from Islamic legal perspective. Savings were also considered gharar even though the payments were not intended for customers or bank but channeled through charitable activities such as the construction of mosques and the provision of compensation for orphans and the poor. Therefore, the public was encouraged to conduct social charity activities through zakat, infaq, and sadaqah without mixing the process with activities prohibited by Islam.
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Journals
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Books
Abdul Ghofur Anshori. Perbankan Syariah Di Indonesia: Dialog. Vol. 32. Yogyakarta: Gajamah Mada University Press, 2017. https://doi.org/10.47655/dialog.v32i1.122.
Ali Hasan, M. Masail Fiqhiyah: Zakat, Pajak, Asuransi dan Lembaga Keuangan, 2000. http://senayan.iain-palangkaraya.ac.id/index.php?p=show_detail&id=607.
Amalia, Euis. Perbankan Syariah Di Indonesia: Dialog. Vol. 32, 2017. https://doi.org/10.47655/dialog.v32i1.122.
Az-Zuhaili, Wahbah. Al-Fiqh al-Islāmī wa Adillatuhu. Vol 4. Libanon: daar al-Kutub al-ilmiyyah, 2011.
Azhari, Fathurrahman. Qawaid Fiqhiyyah Muamalah. April, 2015.
FhilipKotler. Manajemen Pemasaran. VI. Jakarta: Erlangga Press, 2015.
Fuad Mohd.Fahruddin. Riba Dalam Bank, Koperasi, Perseroan Dan Asuransi, 1985.
Martono. Bank dan Lembaga Keuangan. Ekonasia Fakultas Ekonomi UII: Yogyakarta, 2009.
Nurul Ichsan Hasan. Pengantar Perbankan. Jakarta: Referensi (Gaung Persada Press Group), 2014. http://repository.uinjkt.ac.id/dspace/handle/123456789/44856.
Qaradhawi, Yusuf. Halal Haram dalam Islam. Jakarta: Raja Grafindo Persada: Raja Grafindo Persada, 2005.
Qaradhawi, Yusuf Al. Fatwa-Fatwa Kontemporer 3, 2002. https://www.google.com/books?hl=id&lr=&id=wuSqeQjqAjYC&oi=fnd&pg=PA5&dq=al-itqan+fi+%2527ulum+al-qur%2527an&ots=7e8RmZOzS8&sig=5hdGm6H6ZchwSEY5FfvpcVWv5K0%5Cnhttps://books.google.co.id/books?hl=id&lr=&id=wuSqeQjqAjYC&oi=fnd&pg=PA5&dq=al-itqan+fi+%2527ulum+al-qur%252.
Rahmany, Sri. Pemasaran Bank Syariah. IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita. Vol. 3(2), 2014.
Saeed, Abdullah. Menyoal Bank Syari’ah: Kritik atas Interpretasi Bunga Bank Kaum Neo-Revivalis. Paramadina, 2004.
Sahara, Haryadi, dan Kusumowardhani N. Smallholder finance in the oil palm sector: Analyzing the gaps between existing credit schemes and smallholder realities. Smallholder finance in the oil palm sector: Analyzing the gaps between existing credit schemes and smallholder realities, 2017. https://doi.org/10.17528/cifor/006610.
Sembiring, Sentosa. Hukum Perbankan. CV. Mandar Maju. III. Bandung: CV. Mandar Maju, 2015.
Interviewes
Mrs. Rafni Erwina, PE Kepatuhan Bank Perkreditan Rakyat NBP 21
Panyabungan, Bank Perkreditan Rakyat NBP 21 Panyabungan
Mr. Reza Pahlevi, Manajer Pemasaran Bank Perkreditan Rakyat NBP 21
Panyabungan Bank Perkreditan Rakyat NBP 21 Panyabungan
Mr. Harianto Kurniawan, Direksi Bank Perkreditan Rakyat NBP 21
Panyabungan, Bank Perkreditan Rakyat NBP 21 Panyabungan
Mr. Erwin Kelana, Pemasaran, PE Kepatuhan, Bank Perkreditan Rakyat
NBP 21 Panyabungan
Mr. Kusnidar, Umum dan Personalia Bank Perkreditan Rakyat NBP 21
Panyabungan, Bank Perkreditan Rakyat NBP 21 Panyabungan
Mr. Sahat Silalahi, Manager Operasional Bank Perkreditan Rakyat NBP 21
Panyabungan, Bank Perkreditan Rakyat NBP 21 Panyabungan
Ms. Rahmadhani, Customer Service Bank Perkreditan Rakyat NBP 21
Panyabungan, Bank Perkreditan Rakyat NBP 21 Panyabungan
Mr. Muhammad Idris, Staf BPR Panyabungan, Remedial , Bank Perkreditan
Rakyat NBP 21 Panyabungan
Ms. Zakiyah Husni, Staf BPR Panyabungan, Remedial, Bank Perkreditan
Rakyat NBP 21 Panyabungan
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Copyright (c) 2023 Dedisyah Putra, Sumper Mulia Harahap, Sabrun Edi
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