Riba dalam perspektif hukum islam: Konsep, larangan, dan implementasi modern
Keywords:
Usury, Islamic Law, Economic Transactions, Justice in Muamalah., modern implementationAbstract
This study examines the concept of riba (usury) from an Islamic legal perspective and its implementation in contemporary economic systems. Riba is an economic practice explicity prohibited in Islam as it contains elements of injustice and exploitation. The research method employed is library research with a normative-juridical approach, analyzing primary sources of the Qur’an an Hadith as well as classical and contemporary fiqh literature. The findings indicate that riba is divided into several main classifications: triba nasi’ah (delay-based), riba fadhl (quantity excess-based), and their derivative forms in modern transactions. The prohibition of riba is based on qath’I (definitive) evidence from the Qur’an and Sunnah with severe warnings for perpetrators. In the modern context, riba has transformed into interest system in conventional financial institutions, consumer financing, and other financial instruments. Islam offers alternative transactions based on justice such as mudharabah, murabahah, and ijarah which prioritize risk-sharing principles and transparency. A comprehensive understanding of riba is essential to build ummah awareness in conducting economic activities that comply with sharia and promote justice.
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