RIBA BUNGA BANK ANTARA MUHAMMADIYAH DAN NU

Abstract

The basic rules of Islamic economics prohibit usury from practicing and even have to be fought because it is considered a big sin, a source of chaos, there are no blessings and bring bad consequences, both in the world and in the hereafter. However, the problem now is whether conventional bank interest is developing in today's economy (even as an "arterial" economy) including usury or not. Contextual study of usury and bank interest that scholars interpreted differed opinions. Some argue that bank interest is usury and illegitimate, and some others argue that bank interest is not usury, and halal. What is the view of the bank's interest in NU and Muhammadiyah. The formulation of the problem is What is the definition of usury? What is the definition of bank interest? What are the views of Muhammadiyah and NU about bank interest? Muhammadiyah believes that illat dlulm is found in the interest of private banks. So the law is the same as usury. The state-owned bank, illat, is not yet convincing, because according to Muhammadiyah the interest law of the state-owned bank is "seen", not illegal and absolutely not lawful. The view in the comitee of Bas'ul Masail NU still disagrees with conventional bank interest laws. There are opinions that equate bank interest with usury in absolute terms so that the law is unlawful. There are opinions that do not equate bank interest with usury so that the law can be allowed.

Keywords: Bank; Interest; Usury