Comparative Analysis Of The Thoughts Of Umer Chapra And Dawam Rahardjo In Syariah Banking
Keywords:
Comparative, Islamic Banking, Umer Chapra, Dawam Rahardjo, Riba
Abstract
This research aims to compare two Islamic economists, namely Umer Chapra and Dawam Rahardjo, regarding Islamic banking, which includes its goals, principles, and systems. The method used in this research is the literature study method; besides that, this research also uses a comparison method between two Islamic economists, namely Umer Chapra and Dawam Rahardjo. The results of this study indicate differences and principles of thought between Umer Chapra and Dawam Rahardjo; Umer Chapra disapproves of the use of riba in the banking process because there is a legal basis for prohibiting riba in the Qur'an. This is different from Dawam Rahardjo's view in principle; several conditions allow excess borrowing of money or riba due to a decrease in the value of the currency so that the value in the past is not comparable to the value of money in the future (inflation theory) so that additional funds are needed to cover losses arising from the decline in the value of money. Regarding the principles of Islamic economic development, these two figures have the same thoughts related to recommended economic development cooperation, such as using the zakat, alms, and waqf methods, and have the same thoughts regarding Islamic banking in terms of management. Also, there is support related to implementing sharia-based banking in Indonesia.
References
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Asra. “Dampak Perubahan Jenis Dan Fungsi Uang Bagi Perekonomian Menurut Perspektif Ekonomi Islam.” J-EBIS (Jurnal Ekonomi Dan Bisnis Islam) 5, no. 1 (2020): 25–36.
Budiantoro, Risanda Alirastra, Riesanda Najmi Sasmita, and Tika Widiastuti. “Sistem Ekonomi (Islam) Dan Pelarangan Riba Dalam Perspektif Historis.” Jurnal Ilmiah Ekonomi Islam 4, no. 1 (2018): 1–13.
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Lazuardi, Muhammad Naufal, and Purbayu Budi Santosa. “Comparative Analysis of the Thoughts of M. Umer Chapra and M. Abdul Mannan About the Concept of Riba and Banking.” Ad-Deenar: Jurnal Ekonomi Dan Bisnis Islam 4, no. 02 (2020): 139. https://doi.org/10.30868/ad.v4i02.715.
Lesmana, M. Harahap SAR, M. Ghozali, and SN Rosmitha. “Analysis of Management and Collection of Zakat Funds Through Regional Regulations at the Amil Zakat Agency (BAZNAS) of NTB Province, Cianjur, Padangpanjang, Sukabumi and Musi Banyuasin Regencies.” Journal of Sharia Law and Economics 10J, no. 1 (2022): 51–62.
Makhfud, Ali. “Bank Syariah: Prinsip Dan Perkembangannya Di Indonesia.” Jurnal Madani Syariah 1, no. 1 (2019): 103–18.
Masruron, Muhammad, and Nurul Aulia Adinda Safitri. “Analisis Perkembangan Perbankan Syariah Di Indonesia Di Masa Pandemi Covid-19.” Al Birru: Jurnal Keuangan Dan Perbankan Syariah 1, no. 1 (2021): 1–20.
Menita, Herza Ayu. “Pemikiran Abdul Mannan Tentang Ekonomi Islam.” Al-Intaj: Jurnal Ekonomi Dan Perbankan Syariah 3, no. 1 (2017): 216–38.
Muchtar, EH, and S. Najma. “Application of the Islamic Financial System on the Money Market.” Asy-Syukriyyah Journal 20, no. 1 (2019): 1–25.
Mukhlis, FH., and U. Maheasy. “Characteristics of Dawam Raharjo’s AL-Qur’an Encyclopedia: Study of Its Method, Style, and Interpretation.” QOF: Journal of the Study of the Qur’an and Tafsir 5, no. 2 (2021): 229–50.
Muvid, Muhamad Basyrul, Miftahuuddin, and Moh Abdullah. “Pendidikan Islam Kontemporer Perspektif Hasan Langgulung Dan Zakiah Darajat.” Zawiyah: Jurnal Pemikiran Islam 6, no. 1 (2020): 115–37.
Nurlani, Meirina. “Pembaharuan Sistem Perbankan Syariah Indonesia Dalam Menghadapi Arus Ekonomi Global.” Solusi 20, no. 2 (2022): 173–87.
Pardiansyah, Elif. “Konsep Riba Dalam Fiqih Muamalah Maliyyah Dan Praktiknya Dalam Bisnis Kontemporer.” JIEI (Jurnal Ilmiah Ekonomi Islam) 8, no. 2 (2022): 1270–85.
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Saeful, Achmad, and Sulastri. “Riba Dan Bunga Bank Dalam Perspektif Islam.” Madani Syari’ah 4, no. 1 (2021): 40–53.
Sauqi, Muhammad. “The XVIII, XIX, XX Centuries of Islamic Economic Thinking and Their Relevance in the Development of Contemporary Islamic Economy.” Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences 5, no. 2 (2022): 14115–21.
Simatupang, H. Bachtiar. “Peranan Perbankan Dalam Meningkatkan Perekonomian Indonesia.” Jurnal Riset Akuntansi Multiparadigma (JRAM) 6, no. 2 (2019): 136–46.
Siregar, Ainiyah, Nur Ari Sufiawan, and Bintang Rizky Abdullah Majo Saibah. “Analisis Efektivitas Program Keluarga Harapan Dalam Menanggulangi Kemiskinan Di Payakumbuh.” Jurnal Ekonomi Pembangunan 8, no. 1 (2022): 52–68.
Sobarna, Nanang. “Penerapan Pola Syariah Pada Badan Usaha Koperasi.” Pengembangan Kinerja Manajemen Organisasi, Keuangan Dan Usaha Koperasi & UMKM, 2022, 117–24.
Sukamto, and Siti Aisah. “Relevansi Konsep Moneter Islam M Umar Chapra Dengan Kebikakan Moneter Di Indonesia.” Malia: Jurnal Ekonomi Islam 12, no. 2 (2021): 165–80. https://doi.org/10.35891/ml.v12i2.2660.
Suryadinata, Sartika. “Penafsiran Kata Syaythan Menurut Dawam Rahardjo Dalam Ensiklopedi Al-Qur’an.” Istinarah: Riset Keagamaan, Sosial Dan Budaya 2, no. 1 (2020): 30–44.
Syamsuri, Nurul Rahmania, and Ardiyanti. “Eksplorasi Konsep Falah Perspektif Umer Chapra.” MAMEN: Jurnal Manajemen 1, no. 1 (2022): 69–78. https://doi.org/10.55123/mamen.v1i1.25.
Syirfana, Ramdaniar Eka, and Neneng Nurhasanah. “Analisis Fikih Muamalah Terhadap Pemikiran M. Dawam Rahardjo Mengenai Bunga Bank.” Journal Riset Ekonomi Syariah 1, no. 1 (2021): 26–31. https://doi.org/10.29313/syariah.v0i0.21561.
Taufiq, Moch Imron. “Konsep Riba Dalam Perspektif Hadis.” Jurnal Riset Agama 1, no. 1 (2021): 97–106. https://doi.org/10.15575/jra.v1i1.14260.
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Aini, Fitria Nur, and Nurul Huda. “Manajemen Risiko Dalam Meminimalisir Wanprestasi Pada Koperasi Syariah (Studi Kasus Di KSPPS Nurul Hidayah Desa Klaseman).” Syarikat: Jurnal Rumpun Ekonomi Syariah 5, no. 1 (2022): 1–16. https://doi.org/10.25299/syarikat.2022.vol5(1).9302.
Alam, Azhar, and Sukri Hidayati. “Akad Dan Kesesuaian Fitur Wakaf Produk Asuransi Jiwa Syariah.” Equilibrium: Jurnal Ekonomi Syariah 8, no. 1 (2020): 109. https://doi.org/10.21043/equilibrium.v8i1.7223.
Apriantoro, Muhamad Subhi, Salsabilla Ines Sekartaji, and Apriliya Suryaningsih. “Penyelesaian Sengketa Kepailitan Ekonomi Syariah Perspektif Ibnu Rusyd Al-Qurthubi Dalam Bidayatul Mujtahid Wa Nihayatul Muqtashid.” JIEI: Jurnal Ilmiah Ekonomi ISlam 7, no. 3 (2021): 1400–1408.
Armanto, Nuruddin. “Prinsip Dan Landasan Hukum Ekonomi Islam.” Iqtishodiyah 6, no. 1 (2020): 63–79.
Asra. “Dampak Perubahan Jenis Dan Fungsi Uang Bagi Perekonomian Menurut Perspektif Ekonomi Islam.” J-EBIS (Jurnal Ekonomi Dan Bisnis Islam) 5, no. 1 (2020): 25–36.
Budiantoro, Risanda Alirastra, Riesanda Najmi Sasmita, and Tika Widiastuti. “Sistem Ekonomi (Islam) Dan Pelarangan Riba Dalam Perspektif Historis.” Jurnal Ilmiah Ekonomi Islam 4, no. 1 (2018): 1–13.
Dafit, Ahmad. “Islam Progresif Dalam Gerakan Sosial Dawam Rahardjo (1942-2016).” Jurnal Pemberdayaan Masyarakat: Media Pemikiran Dan Dakwah Pembangunan 1, no. 1 (2017): 43–73. https://doi.org/10.14421/jpm.2017.011-03.
Dani, A. “Riba in the Perspective of the Koran and Its Relevance to Currency.” Ta’wiluna: Journal of Qur’anic Science, Tafsir and Islamic Thought 3, no. 1 (2022): 15–28.
Darwis, Rizal, and Zulaeha. “Pendekatan Pemikiran Ekonomi Islam Muhammad Nejatullah Siddiqi.” Al-Buhuts 18, no. 1 (2022): 51–68.
Fajarwati, Selly Intan, Maman Surahman, and Yandi Maryandi. “Analisis Jual Beli Dengan Diskon Menurut Fikih Muamalah Pada Distro Bloods Cabang Kota Sukabumi.” Prosiding Hukum Ekonomi Syariah 5, no. 2 (2019): 562–69.
Febriandika, Nur Rizki, and Fifi Hakimi. “Analisis Kesesuaian Syariah Electronic Money Pada Bank Penerbit Uang Elektronik Di Indonesia.” An-Nisbah: Jurnal Ekonomi Syariah 07, no. 1 (2020): 212–49.
Hadijah Wahid, St., Sapriadi, and Karina Alifiana Karunia. “Riba Perspektif Sejarah Dan Religiusitas.” Jurnal Al-Ahkam: Jurnal Hukum Pidana Islam 2, no. 2 (2020): 113–26. https://doi.org/10.47435/al-ahkam.v2i2.430.
Hanani, Ghana Qonitati, and Vinny Kurniaty. “Relevansi Pemikiran Ekonomi Menurut Umer Chapra Dan Konsep Uang Menurut Al-Ghazali.” Eqien-Jurnal Ekonomi Dan Bisnis 9, no. 2 (2022): 196–204. https://stiemuttaqien.ac.id/ojs/index.php/OJS/article/view/420.
Hardiyanti, Widhian. “Analisis Komparatif Tingkat Kinerja Keuangan Bank Umum Syariah Dan Bank Umum Konvensional Di Indonesia (Studi Kasus Pada Tahun 2015-2019).” Kompak: Jurnal Ilmiah Komputerisasi Akuntansi 14, no. 1 (2021): 14–30.
Hidayati, Nadiah, Hermanto Siregar, and Syamsul Hidayat Pasaribu. “Determinant of Efficiency of the Islamic Banking in Indonesia.” Buletin Ekonomi Moneter Dan Perbankan 20, no. 1 (2022): 29–48. https://doi.org/10.21098/bemp.v20i1.723.
Hiya, Nirmadar Ningsih. “Studi Literatur Kebijakan Moneter Islam Tanpa Bunga.” JIEI (Jurnal Ilmiah Ekonomi Islam) 8, no. 1 (2022): 868–75.
Huda, Fatkur. “Implementasi Syirkah Dalam Bisnis Islam; Konstruksi Nilai Ta’awun.” Dinamika Ke-Ilmuan Islam Di Masa Pandemi. Universitas Muhammadiyah Surabaya, 2022.
Ilma, Mughniatul, and Rifqi Nur Alfian. “Konsepsi Masyarakat Madani Dalam Bingkai Pendidikan Islam.” MA’ALIM: Jurnal Pendidikan Islam 1, no. 1 (2020): 25–46.
Kamal, Jaidil. “Problematika Pada Perbankan Syari’ah (Kontrak Pembiayaan Murabahah).” Jurnal An-Nahl: Jurnal Ilmu Syari’ah 9, no. 1 (2022): 18–27.
Keuangan, Otoritas Jasa. “Perbankan Syariah.” ojk.go.id, 2021.
Kusnan, Osman MDH bin, and Khalilurrahman. “Maqashid Al Shariah in Economic Development : Theoretical Review of Muhammad Umer Chapra ’ s Thoughts.” Millah: Journal of Religious Studies 21, no. 2 (2022): 583–612. https://doi.org/10.20885/millah.vol21.iss2.art10.
Lazuardi, Muhammad Naufal, and Purbayu Budi Santosa. “Comparative Analysis of the Thoughts of M. Umer Chapra and M. Abdul Mannan About the Concept of Riba and Banking.” Ad-Deenar: Jurnal Ekonomi Dan Bisnis Islam 4, no. 02 (2020): 139. https://doi.org/10.30868/ad.v4i02.715.
Lesmana, M. Harahap SAR, M. Ghozali, and SN Rosmitha. “Analysis of Management and Collection of Zakat Funds Through Regional Regulations at the Amil Zakat Agency (BAZNAS) of NTB Province, Cianjur, Padangpanjang, Sukabumi and Musi Banyuasin Regencies.” Journal of Sharia Law and Economics 10J, no. 1 (2022): 51–62.
Makhfud, Ali. “Bank Syariah: Prinsip Dan Perkembangannya Di Indonesia.” Jurnal Madani Syariah 1, no. 1 (2019): 103–18.
Masruron, Muhammad, and Nurul Aulia Adinda Safitri. “Analisis Perkembangan Perbankan Syariah Di Indonesia Di Masa Pandemi Covid-19.” Al Birru: Jurnal Keuangan Dan Perbankan Syariah 1, no. 1 (2021): 1–20.
Menita, Herza Ayu. “Pemikiran Abdul Mannan Tentang Ekonomi Islam.” Al-Intaj: Jurnal Ekonomi Dan Perbankan Syariah 3, no. 1 (2017): 216–38.
Muchtar, EH, and S. Najma. “Application of the Islamic Financial System on the Money Market.” Asy-Syukriyyah Journal 20, no. 1 (2019): 1–25.
Mukhlis, FH., and U. Maheasy. “Characteristics of Dawam Raharjo’s AL-Qur’an Encyclopedia: Study of Its Method, Style, and Interpretation.” QOF: Journal of the Study of the Qur’an and Tafsir 5, no. 2 (2021): 229–50.
Muvid, Muhamad Basyrul, Miftahuuddin, and Moh Abdullah. “Pendidikan Islam Kontemporer Perspektif Hasan Langgulung Dan Zakiah Darajat.” Zawiyah: Jurnal Pemikiran Islam 6, no. 1 (2020): 115–37.
Nurlani, Meirina. “Pembaharuan Sistem Perbankan Syariah Indonesia Dalam Menghadapi Arus Ekonomi Global.” Solusi 20, no. 2 (2022): 173–87.
Pardiansyah, Elif. “Konsep Riba Dalam Fiqih Muamalah Maliyyah Dan Praktiknya Dalam Bisnis Kontemporer.” JIEI (Jurnal Ilmiah Ekonomi Islam) 8, no. 2 (2022): 1270–85.
Qomar, Moh Nurul. “Telaah Kritis Masalah Ekonomi Perspektif Muhammad Baqir Al-Sadr.” Iqtishoduna: Jurnal Ekonomi Islam 5, no. 1 (2016): 1–14.
Saeful, Achmad, and Sulastri. “Riba Dan Bunga Bank Dalam Perspektif Islam.” Madani Syari’ah 4, no. 1 (2021): 40–53.
Sauqi, Muhammad. “The XVIII, XIX, XX Centuries of Islamic Economic Thinking and Their Relevance in the Development of Contemporary Islamic Economy.” Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences 5, no. 2 (2022): 14115–21.
Simatupang, H. Bachtiar. “Peranan Perbankan Dalam Meningkatkan Perekonomian Indonesia.” Jurnal Riset Akuntansi Multiparadigma (JRAM) 6, no. 2 (2019): 136–46.
Siregar, Ainiyah, Nur Ari Sufiawan, and Bintang Rizky Abdullah Majo Saibah. “Analisis Efektivitas Program Keluarga Harapan Dalam Menanggulangi Kemiskinan Di Payakumbuh.” Jurnal Ekonomi Pembangunan 8, no. 1 (2022): 52–68.
Sobarna, Nanang. “Penerapan Pola Syariah Pada Badan Usaha Koperasi.” Pengembangan Kinerja Manajemen Organisasi, Keuangan Dan Usaha Koperasi & UMKM, 2022, 117–24.
Sukamto, and Siti Aisah. “Relevansi Konsep Moneter Islam M Umar Chapra Dengan Kebikakan Moneter Di Indonesia.” Malia: Jurnal Ekonomi Islam 12, no. 2 (2021): 165–80. https://doi.org/10.35891/ml.v12i2.2660.
Suryadinata, Sartika. “Penafsiran Kata Syaythan Menurut Dawam Rahardjo Dalam Ensiklopedi Al-Qur’an.” Istinarah: Riset Keagamaan, Sosial Dan Budaya 2, no. 1 (2020): 30–44.
Syamsuri, Nurul Rahmania, and Ardiyanti. “Eksplorasi Konsep Falah Perspektif Umer Chapra.” MAMEN: Jurnal Manajemen 1, no. 1 (2022): 69–78. https://doi.org/10.55123/mamen.v1i1.25.
Syirfana, Ramdaniar Eka, and Neneng Nurhasanah. “Analisis Fikih Muamalah Terhadap Pemikiran M. Dawam Rahardjo Mengenai Bunga Bank.” Journal Riset Ekonomi Syariah 1, no. 1 (2021): 26–31. https://doi.org/10.29313/syariah.v0i0.21561.
Taufiq, Moch Imron. “Konsep Riba Dalam Perspektif Hadis.” Jurnal Riset Agama 1, no. 1 (2021): 97–106. https://doi.org/10.15575/jra.v1i1.14260.
Wany, Eva, Budi Prayitno, and Ismangil. “Analisis Minat Dan Persepsi Masyarakat Indonesia Terhadap Produk Perbankan Syariah Di Masa Pendemi Covid 19.” ULIL ALBAB: Jurnal Ilmiah Multidisiplin 1, no. 8 (2022): 2770–82.
Widiyanto, Hari, and Jamal Abdul Aziz. “Konseptualisasi Pemikiran Muhammad Dawam Raharjo Tentang Masa Depan Ekonomi Islam Di Indonesia.” Risalah: Jurnal Pendidikan Dan Studi Islam 8, no. 2 (2022): 490–504.
Published
2023-09-19
How to Cite
hakim, lukmanul, & Dzil Jalal, A. F. D. J. (2023). Comparative Analysis Of The Thoughts Of Umer Chapra And Dawam Rahardjo In Syariah Banking. JURNAL LENTERA : Kajian Keagamaan, Keilmuan Dan Teknologi, 22(2), 119-136. https://doi.org/10.29138/lentera.v22i2.1042
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Articles
