PR terbesar bagi Bank Syari'ah adalah tidak hanya sekedar mengubah aqad riba
menjadi aqad jual beli sehingga konsep "bunga" diganti menjadi "bagi hasil"
ujung-ujungnya kalau orang mau menabung "bagi hasil"nya lebih kecil daripada
"bunga" yang ditawarkan bank konvensional ya tidak kompetitif, kalau pembiyaan
kredit rumah atau kendaraan lebih mahal bank syariah dibanding bank
konvensional ya bisa saja bank syariah kalah bersaing. Dan kalau bangkrut itu
adalah murni bisnis. Bukan karena Allah tidak suka menolong :)
Harusnya kalau bank syari'ah lebih berpihak pada kaum duafa' ya bagi hasilnya
yang menguntungkan kedua belah pihak ada prinsip simbiosis mutualism minimal
sama dengan bunga pasar yang dipakai bank konvensional. Kesannya mencekik
adalah jauh dari konsep berpihak pada kaum duafa'. Contohnya adalah
pemberlakuan bea administrasi dulu ada bank syariah yang tidak mengenakan bea
administrasi kepada penabung, tetapi begitu nasabahnya banyak dan kalau
dikalkulasi dapat meraih keuntungan dari sektor bea administrasi maka
dikenakanlah bea administrasi yang notabene untuk penabung kecil bunga hasil
yang diterima akan lebih kecil daripada bea administrasinya, maka wahl hasil
kalau saldonya kecil alias penabung kaum du'afa' ya dapat diprediksi sekian
lama saldo yang mengendap akan terdebet terus menerus, maka menabung di bank
syari'ah pun bisa lenyap alias habis karena sistem pengenaan bea administrasi
juga mengcopy paste sistem perbankan konvensional. Ya namanya juga
bisnis, profite oriented.
Wassalam
Abdul Mu'iz
--- Pada Jum, 9/4/10, ah-mbel-ah <eyang_mbelge...@yahoo.com> menulis:
Dari: ah-mbel-ah <eyang_mbelge...@yahoo.com>
Judul: [wanita-muslimah] Re: MUI, Muhammadiyah, Majmaul Buhuts dan Lajnah
Daimah Haramkan Bunga Bank. Mengapa NU tidak?
Kepada: wanita-muslimah@yahoogroups.com
Tanggal: Jumat, 9 April, 2010, 10:09 AM
Serba shariah adalah sebuah mbel yang supergedes. Nanti bisa-bisa (agar
selalu bernuansa shariah) poligami juga bisa diwajibkan dengan alasan
'mencontoh kanjeng nabi'.
Lelucon yang beredar tentang gagasan shariah ini di antaranya adalah (1) panti
pijat bershariah, (2) kasino bershariah, (3) preman bershariah (FPI), (4) rokok
berbasis pada shariah, (5) kekerasan dalam rumah tangga berbasis shariah dan
sebagainya.
Berikut ini adalah artikel menarik tentang nde mbel of nde gedes of nde bank
shariah itu:
http://www.theglobe andmail.com/ servlet/story/ RTGAM.20080125. wcomment0125/
BNStory/National /home
Banks are helping sharia make a back-door entrance
TAREK FATAH
It seems only yesterday that Premier Dalton McGuinty declared: "There will be
no sharia law in Ontario." Many of us, who witnessed the medieval nature of
manmade sharia laws in our countries of birth, heaved a sigh of relief back in
September of 2005. We thought this was the end of the attempt by Islamists to
sneak sharia into a Western jurisdiction. We were wrong.
The campaign to introduce sharia is back. Last time, the campaign took a
populist approach, invoking multiculturalism. This time, the pro-sharia lobby
is dangling the carrot of new niche markets and has the backing of Canada's
major banks. Such icons of the corporate world as Citibank NA, HSBC Holdings
PLC, and Barclays PLC have endorsed sharia banking and have started offering
Islamic financing products to a vulnerable Muslim population.
In May, 2007, The Globe reported that "Several Canadian financial institutions
are preparing sharia-compliant mortgages, insurance, taxi licensing and
investment funds to help serve the country's fastest-growing part of the
population." Recently, the Toronto Star's business section reported that an
unnamed bank may offer sharia loans as early as this summer; Le Journal de
Montreal disclosed that Canada Mortgage and Housing Corporation( CMHC) was also
getting in on the act. Stephanie Rubec, spokesperson for the CMHC, said the
Crown corporation had launched a tender worth $100,000 to study Islamic
mortgages for Muslim Canadians. Could she be oblivious to the fact that almost
all Muslim Canadians currently have home mortgages through banks and don't feel
they are living in sin? In fact, CMHC has gone a step further: It has quietly
entered into a partnership with a Saudi company, AaYaan Holdings, to develop
sharia-compliant mortgage-lending systems.
The origin of Islamic banking has its roots in the 1920s, but did not start
until the late 1970s and owes much of its foundation to the Islamist doctrine
of two people — Abul Ala Maudoodi of the Jamaat-e-Islami in Pakistan and Hassan
al-Banna of the Muslim Brotherhood in Egypt. The theory was put into practice
by Pakistani dictator General Zia-ul-Haq who established sharia banking law in
Pakistan.
Proponents of sharia banking rest their case on many verses of the Holy Koran
that outlaw usury, not interest.
Verses that address the question of loans and debts include:
Al Baqarah (2:275): God hath permitted trade and forbidden usury;
Al Baqarah (2:276): Allah does not bless usury, and He causes charitable deeds
to prosper, and Allah does not love any ungrateful sinner.
Every English-language translation of the Koran has translated the Arabic word
riba as usury, not interest. Yet, Islamists have deliberately portrayed bank
interest as usury and labelled the current banking system as un-Islamic.
Instead, these Islamists have created exotic products with names that are
foreign to much of the world's Muslim population. This is where they mask
interest under the niqab of Mudraba, Musharaka, Murabaha, and Ijara. Two
authors, both senior Muslim bankers, have written scathing critiques of sharia
banking, one labelling the practice as nothing more than "deception," with the
other suggesting the entire exercise was "a convenient pretext for advancing
broad Islamic objectives and for lining the pockets of religious officials."
Why Canadian banks would contribute to this masquerade is a question for
ordinary Canadians to ask.
Muhammad Saleem is a former president and CEO of Park Avenue Bank in New York.
Prior to that, he was a senior banker with Bankers Trust where, among other
responsibilities, he headed the Middle East division and served as adviser to a
prominent Islamic bank based in Bahrain. In his book, Islamic Banking — A $300
Billion Deception, Mr. Saleem not only dismisses the founding premise of sharia
and Islamic banking, he says, "Islamic banks do not practise what they preach:
they all charge interest, but disguised in Islamic garb. Thus they engage in
deceptive and dishonest banking practises."
Another expert, Timur Kuran, who taught Islamic Thought at the University of
Southern California, mocks the very idea. In his book, Islam and Mammon: The
Economic Predicaments of Islamism, Prof. Kuran writes that the effort to
introduce sharia banking "has promoted the spread of anti-modern currents of
thought all across the Islamic world. It has also fostered an environment
conducive to Islamist militancy."
Dozens of Islamic scholars and imams now serve on sharia boards of the banking
industry. Moreover, a new industry of Islamic banking conferences and forums
has emerged, permitting hundreds of sharia scholars to mix and mingle with
bankers and economists at financial centres around the globe. In the words of
Mr. Saleem, who attended many such meetings, they gather "to hear each other
praise each other for all the innovations they are making." He gives examples
of how sharia scholars only care for the money they get from banks, willing to
rubberstamp any deal where interest is masked.
No sooner had CMHC announced its plans to study sharia-compliant mortgages,
than an imam from Montreal's Noor Al Islam mosque offered his services to
Canada's banks, claiming Muslims are averse to conventional mortgages because
"it goes against their beliefs," a claim that would not withstand the slightest
scrutiny.
Other academics who have studied the phenomenon have reached similar
conclusions. Two New Zealand business professors, Beng Soon Chong and Ming-Hua
Liu of Auckland University, in an October, 2007, study on the growth of Islamic
banking in Malaysia, wrote: "Only a negligible portion of Islamic bank
financing is strictly 'profit-and- loss sharing' based. ? Our study, however,
provides new evidence, which shows that, in practice, Islamic deposits are not
interest-free. " They concluded that the rapid growth in Islamic banking was
"largely driven by the Islamic resurgence worldwide."
In the name of Islam, deception and dishonesty is being practised while
ordinary Muslims are being made to feel that their interaction with mainstream
banks is un-Islamic and sinful. As Mr. Saleem asks, "If Islamic banks label
their hamburger a Mecca Burger, as long as it still has the same ingredients as
a McDonald's burger, is it really any different in substance?"
Tarek Fatah is the author of Chasing a Mirage: The Tragic Illusion of an
Islamic State, to be published in March.
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