IMPLEMENTASI NILAI-NILAI HUKUM EKONOMI ISLAM TERHADAP PRODUK-PRODUK BANK SYARIAH INDONESIA
Abstract
Abstrak
Bank BSI Makassar KCP Ahmad Yani sudah benar dalam menerapkan Nilai-Nilai Hukum Ekonomi Islam pada proses transaksi perbankan. Hal ini dapat dilihat dari sistem transaksi dan penetapan harga yang ada pada BSI. Adapun Nilai-Nilai Hukum Ekonomi Islam yang belum bisa diterapkan, dikarenakan pegawai Bank Syariah Indonesia KCP Makassar Ahmad Yani secara khusus belum paham hakikat dan akibat hukum yang ditimbulkan dari jual beli garar ditambah dengan kurangnya pemahaman para nasabah terkait murabahah bi al-wakalah. Bank BSI Makassar KCP Ahmad Yani hendaknya istiqomah dalam menerapkan Nilai-Nilai Hukum Ekonomi Islam pada proses transaksi perbankan agar para nasabah selalu diperlakukan yang adil sesuai dengan apa yang sudah dikerjakannya serta hendaknya selalu menerapkan nilai-nilai hukum ekonomi Islam pada proses penetapan harga produk. Dengan adanya fatwa MUI No. 75/DSN-MUI/VII/2009 ini diharapkan bank BSI dapat menjalankan transaksi tersebut sesuai dengan ketentuan Nilai-Nilai Hukum Ekonomi Islam. Kepada para pelaku BSI diharapkan agar mampu menjalankan menjalankan transaksi ini sebagaimana sesuai dengan Nilai-Nilai Hukum Ekonomi Islam yang sudah ada, sehingga tidak ada yang dirugikan dalam bertransaksi.
Kata Kunci: Bank Syariah, Ekonomi Islam, Hukum.
Abstract
Bank BSI Makassar KCP Ahmad Yani is correct in applying the Values of Islamic Economic Law in the banking transaction process. This can be seen from the transaction and pricing system in BSI. As for the values of Islamic Economic Law that cannot be applied, because the employees of Bank Syariah Indonesia KCP Makassar Ahmad Yani specifically do not understand the nature and legal consequences of buying and selling garar coupled with a lack of understanding of customers regarding murabahah bi al-wakalah Bank BSI Makassar KCP Ahmad Yani should be consistent in applying Islamic Economic Law Values in the banking transaction process so that customers are always treated fairly in accordance with what they have done and should always apply the values of Islamic economic law in the pricing process product. With the MUI fatwa No. 75/DSN-MUI/VII/2009 it is hoped that the BSI bank will be able to carry out the transaction in accordance with the provisions of Islamic Economic Law Values. The BSI actors are expected to be able to carry out this transaction in accordance with the existing Islamic Economic Law Values, so that no one is harmed in the transaction.
Keywords: Islamic Bank, Islamic Economics, Law.
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