PERKEMBANGAN HUKUM PERBANKAN SYARI’AH SEJAK ZAMAN RASULULLAH HINGGA SEKARANG

Abstract

Praktek Perbankan sudah banyak di amalkan oleh para sahabat Nabi di zamannya, yang memang secara formalitas kelembagaan belum ada. Namun substansi dari praktek Perbankan sudah diamalkan. Semisal meminjamkan uang untuk keperluan konsumsi dan untuk keperluan bisnis, serta melakukan pengiriman uang telah lazim dilakukan. Namun ada juga praktek yang oleh sahabat Rasul mempunyai penafsiran lain, sahabat Rasulullah SAW, Zubair bin Awwam r.a memilih tidak menerima titipan harta, ia lebih suka menerimanya dalam bentuk pinjaman. Mengembangkan Perbankan Syari’ah di zaman Rasulullah SAW fungsi-fungsi Perbankan dilakukan oleh perorangan dan biasanya satu orang hanya melakukan satu fungsi, sehingga setiap orang mempunyai peranannya sendiri. Kemudian, perkembangan sejarah Perbankan pada masa sekarang ini yang pada mulanya menuai banyak hambatan-hambatan yang dilalui oleh para pendiri Bank Syari’ah, seperti halnya pemerintah tidak mendukung adanya konsep yang ditawarkan bank Syari’ah ini, dengan dalih bahwa secara politis bank Syari’ah dianggap berkonotasi ideologis, yang ada kaitannya dengan konsep negara Islam. Sehingga pada saat itu juga masih banyak pertanyaan “siapa yang bersedia menaruh modal dalam ventura semacam itu (sistem bagi hasil)†tentunya para pengusaha yang ingin masuk sebagai penanam modal juga masih khawatir akan kelangsungan Investasinya. Kata kunci: Hukum, Perbankan Syari’ah Abstract Banking practice has been widely practiced by the companions of the Prophet in his day, which indeed institutionally did not exist yet. But the substance of banking practices has been practiced. Such as lending money for consumption and for business purposes, as well as sending money is common. But there are also practices that by the Prophet's companions have other interpretations, the companions of the Prophet Muhammad, Zubair bin Awwam r.a chose not to take deposits of property, he preferred to receive them in the form of loans. Developing Sharia Banking in the time of the Prophet Muhammad SAW Banking functions are carried out by individuals and usually one person only performs one function, so that each person has his own role. Then, the development of banking history at the present time which initially reaped many obstacles that were passed by the founders of the Sharia Bank, just as the government did not support the concept offered by the Sharia bank, under the pretext that politically the Sharia bank ' ah is considered to have an ideological connotation, which has to do with the concept of an Islamic state. So that at that time there were still many questions "who is willing to put capital in such a venture (profit sharing system)" of course entrepreneurs who want to enter as investors are also still worried about the continuity of their investments. Keywords: Law, Sharia Banking