| Abstrak/Abstract |
There were two perspectives regarding bank interest and usury, i.e. the perspective of interest and usury
was the same thing and the other, they were a different thing, that implied to permitted bank interest in
banking transactions. Indonesia throughout fatwa issued by The Indonesian Council of Ulama belongs to
a group who has an opinion that interest and usury were the same things. The concrete solution in that
prohibition, i.e. implementing sharia principle in banking that issued by DSN-MUI. The implementation of
fatwa could be adjusted on real customers need. Although in practical, sharia banks have had preferred to sold and purchased contract (murabahah) than the other contracts.
Terdapat dua pandangan terkait bunga bank dan riba yaitu pandangan yang mempersamakan bunga
bank dan pandangan yang membedakan bunga bank dengan riba yang berimplikasi pada pembolehan
bunga bank dalam transaksi perbankan. Indonesia melalui fatwa yang dikeluarkan oleh Majelis Ulama
Indonesia termasuk dalam kelompok yang mempersamakan bunga bank dengan riba. Solusi konkrit atas
larangan terhadap bunga bank yaitu dengan penerapan prinsip syariah perbankan yang telah digariskan
melalui fatwa DSN-MUI. Implementasi prinsip syariah dalam produk perbankan dapat disesuaikandengan kebutuhan riil nasabah. Namun demikian dalam praktik, entitas perbankan syariah memiliki preferensi terhadap penggunaan akad jual beli (murabahah), dibanding akad lainnya.
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