Riba dan Bank

Riba dan bank amat berkaitan. Ia seperti isi dengan kuku... tak dapat dipisahkan.

Umat Islam sepatutnya meninggalkan riba seperti yang disarankan oleh Nabi Muhammad SAW didalam khutbah widaknya. Ia bermaknya kita seharusnya meninggalkan sistem bank dan membuat semua transaksi secara tunai!

Ini bertepatan dengan hadis akhir zaman yang dinyatakan sebelum ini.

ORANG YANG BERPEGANG DENGAN AGAMANYA SEPERTI MEMEGANG BARA API

Daripada Anas r.a. bekata, Rasulullah saw. bersabda, "Akan datang kepada umat ku suatu zaman di mana orang yang berpegang kepada agamanya laksana menggenggam bara api”.

H.R. Tirmizi

Banyak yang berpendapat telah ada bank Islam. Jadi tiada masalah riba. Namun jika kita mengkaji bank Islam segala pengiraannya dan konsep masih berasaskan riba.

Inilah yang dipanggil "riba melalui pintu belakang" oleh Maulana Imran Hosein

Islamic Banks and other Islamic financial institutions are today lending money on interest through the back-door by disguising a loan as a sale on credit. They call it murabaha! But it is most certainly not murabaha! It is Riba! What the bank does is to offer an item on sale in a credit transaction with a price substantially higher than the cash price. While credit transactions are Halal, since the blessed Prophet (sallalahu ‘alaihi wa sallam) himself engaged in such transactions, there is no evidence that the credit price in such transactions was ever higher than the cash price. When credit price is higher than cash price then the implication would be that time has value. And the essence of Riba is that money grows over time. When a client wishes to purchase something, but does not possess the cash with which to purchase it, the so-called Islamic bank enters into the fiction of purchasing the item at its cash price and then selling it to the client on credit. The interest charges are added to the selling price thus making a credit price for the item substantially higher than the cash price.

In fact the bank never actually purchases the item. Rather, it writes out a check to the client who then purchases the item in his name with the bank holding a lien on the item until the sale price is eventually paid to the bank. The bank therefore sold something that it never actually owned – and that is Haram! In actual fact the ‘sale’, also, was entirely fictitious. What the bank actually did was to ‘lend’ a specific sum of money on interest over a specific period of time and to then denominate the ‘loan’ in the amount of a final total that included the total interest payments as money due on a ‘sale’.