Distingsi Konseptual antara Riba dan Jual Beli Kredit

Authors

Ali Burhan burhan
M Danial Balya Universitas Bondowoso

Keywords:

Usury, Credit, Sharia

Abstract

Usury is prohibited in Islam because it contains elements of injustice and exploitation. Islamic law, both in the Quran and Hadith, emphasizes that usury disrupts economic balance and diminishes the blessings of wealth. On the other hand, credit trading (bai' bi tsaman ajil) is a common form of transaction in modern society because it offers the convenience of installment payments. However,

Credit trading has sparked debate regarding its legitimacy, as prices are much higher than cash. This is because it is considered similar to the practice of usury. This study aims to examine the conceptual distinction between credit trading and usury, or interest, from an Islamic legal perspective, by exploring evidence from the Quran, Hadith, and even the views of various Islamic scholars.

Literature research is one method used by the researcher through a comparative analysis approach. The results of this study indicate that the core differences between the two concepts of credit trading and usury, or interest, lie in the contract and the object of the transaction. Usury or interest typically occurs in the context of a loan with unauthorized additions, while credit trading involves the exchange of goods at an agreed-upon price, based on the willingness of both parties. Additional pricing in credit trading is permissible as long as it is agreed upon at the outset and remains unchanged throughout the installment period. Therefore, credit trading is permissible as long as it adheres to principles such as avoiding usury, gharar, or fraud.

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