BANK SYARÎ'AH DAN TAKÂFUL (Sebuah Kajian Evaluatif-Reflektif atas Perkembangan Bank Syarî'ah dan Takâful di Indonesia)
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Abstract
Islâm menjiwai dan mewarnai perilaku manusia dalam berpikir, bersikap maupun bertindak dengan batas-batas yang telah di tetapkan, dalam rangka pengabdian kepada Allah swt. Setelah melalui perdebatan sengit selama berabad-abad tentang perilaku bunga uang (ribâ, interest) dalam menentukan perilaku ekonomi manusia, antara diharamkan atau dibolehkan, kini muncul di hadapan kita keputusan di mana terbuka jalan bagi yang mengharamkan bunga dan bagi yang membolehkan atau bahkan mengharuskannya dengan konsep yang lebih Islâmî dan dapat diterima oleh berbagai pihak terutama mayoritas penduduk Indonesia yang notabene beragama Islâm dengan apa yang dikenal sebagai bank syarî'ah dan takâful (asuransi Islâm). Melalui kedua lembaga inilah kita berharap dapat menyaksikan pada satu saat terwujudnya “gurita” ekonomi umat yang dahsyat, apabila terjadi kerjasama mudlarabah di tingkat kelembagaan ekonomi syarî'ah (BMI, BSI, BPRS, BMT dan STI) dengan berpedoman pada ta’âwanû ‘alâ al-birr wa al-taqwâ, wa lâ ta'âwanû alâ al-itsm wa al-udwân. Kerjasama ini hendaklah profesional. Untuk itu perlu dibangun manajemen yang Islâmî, yang didukung dengan sumber daya terampil, yang bekerja dengan keyakinan dan teguh dalam pendirian serta memiliki moral atau akhlaq yang luhur.
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