PERBEDAAN KONSEP QARḌ DAN DAIN DAN RELEVANSINYA DENGAN PENETAPAN SUKU BUNGA DI BANK KONVENSIONAL
Abstract
AbstractIn concept, dain is more general than qarḍ, because dain covers all types of debts. Qarḍ can only be applied in Islamic financial institutions because basically qarḍ is a charitable fund, while dain can be applied not only in Islamic financial institutions, but also can cover conventional financial institutions. The relevant application of interest in the concept of dain, while qarḍ does not. The determination of interest rates in the concept of dain is considered permissible because there are costs arising from loans caused by the influence of inflation, competitive factors, and other factors.
Keywords: Qarḍ, Dain, Interest.
Abstrak
Secara konsep, dain lebih umum ketimbang qarḍ, karena dain mencakup segala jenis utang piutang. Qarḍ hanya dapat diterapkan pada lembaga keuangan syariah karena pada dasarnya qarḍ adalah dana kebajikan, sedangkan dain selain dapat diterapkan di lembaga keuangan syariah, juga dapat mencakup lembaga keuangan konvensional. Penerapan bunga relevan dalam konsep dain, sedangkan qarḍ tidak. Penetapan suku bunga dalam konsep dain dianggap boleh dikarenakan terdapat biaya-biaya yang timbul dari pinjaman yang disebabkan adanya pengaruh inflasi, faktor persaingan, dan faktor lainnya.
Kata Kunci: Qarḍ, Dain, Bunga.
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