Implementasi Hukum Ekonomi Syariah dalam Pembiayaan Bank syariah

Abstract

Islam, as a perfect religion (Rahmatan lil 'Alamin), governs various aspects of human life, including economics, through the application of sharia principles. These principles, such as the prohibition of riba (interest), gharar (uncertainty), and unlawful activities, along with the implementation of profit-sharing and trade systems, form the foundation of Islamic banking operations. Islamic banks offer an alternative to conventional banking, focusing on justice, transparency, and sustainability.

This research uses a qualitative method to examine the implementation of financing in Islamic banks in Cikarang Utara. The results show that financing in Islamic banks plays a crucial role in maintaining the bank's profitability and liquidity, based on the principles of transparency and low risk. The application of sharia principles in various financing products, such as the profit-sharing system, ensures fairness for both parties, distinguishing it from interest-based credit systems in conventional banking. Compliance with sharia principles is key to the success of Islamic banks in building public trust.