ISLAMIC FINANCIAL SYSTEM : DUTIES OR CHOICE ? Islam is a religion that is universal and holistic .

Islamic law is not simply limited to the question of worship , marriage affairs or in the event of death alone, but the fact of worship according to the meaning of Islam is submission to God Minhaj which covers all issues related to human life , including worship , Muamalat, jurisprudence , criminal , political , social, economic and so must be dealt with in accordance with Islamic law .

The Islamic economic system is concerned with aspects of fairness and balance between individual freedom and public maslahah on religion with worldly things . Economic principles in Islam is not only aimed purely material but also aims worship that allows us to get a reward if undertaken with the intention for Allah's sake and intends to seek His pleasure .

Islamic banking and conventional banking Islamic banking and financial system refers to a framework of banking and financial institutions carried out based on Shariah principles for the realization of justice in the distribution of wealth and income . Management of Islamic banking and finance are based on Islamic transactions in fiqh al mu'amalat that activity always coincided with the Shariah principles.

The main difference between Islamic banking system with the conventional banking system is the concept of halal and haram that is fundamental superiority value systems and norms developed by Islam . Conventional banking does not have to conform to Islamic principles and free use ribawi transactions in all their dealings . In contrast, Islamic banking is not practicing usury even using transactions that comply with Shariah and practice the concept of profit and loss sharing banking to replace the spring mechanism in operation .

However, there are many among the Muslims today who prefers the conventional banking and financial system and set aside the Islamic system , but there is also the impression that Islamic banking and conventional banking is the same. In fact , if we look closely in the Qur'an, this notion has been around since time immemorial in which God says , meaning:

"People who eat ( take ) usury will not stand except as stands one whom the devil entry because ( his) touch . For such situations , it is because they say ( say ) , surely the same transaction with usury , but Allah has permitted trading and forbidden usury ... "

( Surah al -Baqarah , verse 275 )

Such a perception , among others, based on the benefits received by customers because the banks are adopting Islamic banking also give or take advantage of depositors , borrowers and investors as well as conventional banks . They concluded that the matter shows that Islamic banking is the same as conventional banking, it makes no difference because dealing with Islamic banking we also get the same return as in conventional banking .

To answer this question, in terms of the ruling is as obvious as the above verse , Allah SWT been clearly buying and selling and prohibits usury . In terms of the proposition ' aqli , the comparison that we can give is like the law of slaughter between Muslims and non-Muslims. Although the result of the sacrificial giving the same result , namely the two types of slaughter according to their own way to benefit the same fullness after eating, as a result, but it does not require Muslims to eat nonMuslims slaughter ( except slaughtering of the Book ) as different slaughter procedures .

We can also ask whether , taking into account the results of both types of slaughter by Muslims and non-Muslims alike menatijahkan fullness after eating , then the law slaughtering non-Muslims are also halal for Muslims ? Clearly, the law both have vastly different that many Muslims slaughter is lawful for Muslims and non-Muslims slaughtered halal remains but to them alone.

Keep in mind that Islam is not just looking at the effect of an act alone but also look to the procedures or methods it produced . As a method of " closing the roads damage " ( saddul - zara'i ` ) and also the" good faith will not justify the unlawful acts " ( al - niyyah al - hasanah la tubarriru al haram ), meaning that even if the purpose the original act was something good but if produced through illegal means then it is forbidden in Islam .

There may be a view that the interest rate set by the conventional banking is small and not burdensome or oppressive but may be lower than the Islamic banks . Yet it must be remembered that Islam prohibits illegal things , the least as well as the quantity . For example, alcohol or other intoxicating liquor , even with only a drop to drink intoxicating us but will not drink a drop of liquor law is haram in Islam as the Prophet SAW which means : "What is the least amount of drug that was illegal . " ( Narrated by Ibn Majah ) .

As the saying goes , " when a small fire friend , so when a big enemy " , Islam emphasizes the welfare of his people from any harm and oppression from the smallest to the direst . Maybe we see laptops ratio set by the conventional banking is small now , but we also have to look at the purpose of why Islam forbids riba vehemently . We can refer to such loans granted by the " Ah Long " , interest payments are subject to the loan yield is many times very oppressive and borrowers. Whether big or small the harm that arises with it, it can retard and affect the happiness of society and the nation .

Obligation or option In the past , we may have no choice to use Islamic financial products in the financial activities such as banking , leasing , insurance and so on because of the absence . But today , we have been there many Islamic banks and conventional banks to open Islamic Windows also offer Islamic banking products to those who are interested , especially the Muslims . Similarly, Islamic financial products such as pawn broking ( al - Rahnu ) , takaful , sukuk and the like .

In the absence of possible we will argue that there is no other alternative than the conventional financial system , so we have to use either willingly or not . But when there are already alternatives in the Islamic financial products available in almost all banking institutions in our country, and with a view to condemnation by God and His Apostles in the Holy Quran and Sunnah on laptop practitioners , whether we can still choose to use the conventional financial system based on usury and ignore the Islamic financial system ? Allah swt which means :

" It is not fitting for a believing man and not (also) for a believing woman, when Allah and His Messenger have decreed a matter they should have any option ( other ) about their affair . And when you disobey Allah and His Messenger, he is indeed strays manifest. " (Surat al -Ahzab , verse 36 )