BANK SYARÎ'AH DAN TAKÂFUL (Sebuah Kajian Evaluatif-Reflektif atas Perkembangan Bank Syarî'ah dan Takâful di Indonesia)
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Abstract
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 Islam 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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