SISTEM PERBANKAN SYARIAH DAN LANDASAN FILOSOFINYA
DOI:
https://doi.org/10.30651/jms.v10i1.24837Abstract
Dalam Islam sistem perbankan syariah merupakan bentuk sistem keuangan yang berlandaskan pada prinsip-prinsip syariah Islam, yang melarang praktik riba, gharar (ketidakpastian), dan maysir (spekulasi). Filosofi utama perbankan syariah adalah menciptakan keadilan, transparansi, dan keseimbangan dalam aktivitas keuangan, dengan tujuan mendukung pertumbuhan ekonomi yang berkelanjutan dan berbasis etika. Sistem ini menggunakan akad-akad tertentu, seperti mudharabah (bagi hasil), musyarakah (kerja sama), ijarah (sewa), dan murabahah (jual beli dengan margin keuntungan), untuk memastikan transaksi sesuai dengan nilai-nilai Islam. Selain itu, perbankan syariah tidak hanya berorientasi pada keuntungan finansial, tetapi juga bertujuan untuk memberikan manfaat sosial melalui alokasi dana zakat, infaq, dan sedekah. Penelitian ini membahas kerangka kerja perbankan syariah, prinsip filosofisnya, serta kontribusinya terhadap stabilitas dan inklusivitas ekonomi global. Sistem ini telah menjadi alternatif yang menjanjikan dalam menghadapi tantangan ekonomi modern, dengan menekankan nilai-nilai moral dan keberlanjutan sebagai inti dari operasionalnya.
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