USURY IN THE MODERN ERA: A REVIEW OF QUR'ANIC VERSES AND HADITH
Abstract
The prohibition of usury is one of the basic teachings in Islam which is emphasized both in the Qur'an and hadith. In modern times, the practice of usury is increasingly widespread, especially through conventional financial institutions and online loan services (pinjol) that offer convenience but are often accompanied by high interest rates. This article aims to examine the law of usury according to the arguments in the Qur'an and hadith and explore its relevance to contemporary economic challenges. The discussion begins with an explanation of the definition of usury, followed by an analysis of the verses of the Qur'an and hadith that explicitly prohibit the practice, as well as the wisdom behind the prohibition of usury. The article also reviews various forms of usury that appear in modern forms, such as online loans, credit cards, and conventional banking systems. Through this study, it is hoped that it can increase understanding of the importance of implementing a sharia-based economic system that is fairer and brings blessings to Muslims.
Keywords
Full Text:
PDFReferences
Boga, Raoda. 2023. “Transaksi Riba Dengan Pendekatan Tafsir Al-Quran Surah Ali-Imran [ 3 ] Ayat 130.” JAHE: Jurnal Ayat Dan Hadits Ekonomi 1 (3): 41–48. https://jurnalhamfara.ac.id/index.php/JAHE/article/view/320.
Efendi, Aida, Carina Septiani, Saidah Syakira, Taura Zilhazem, and Wismanto. 2024. “Dampak Riba Dalam Kehidupan Ekonomi : Perspektif Syariah Dan Ekonomi Kontemporer.” Hikmah : Jurnal Studi Pendidikan Agama Islam, no. 4. https://ejournal.aripafi.or.id/index.php/Hikmah/article/download/264/329/1400.
Fitri, Hasanatun, Artika Tri Septia, Siti Rahma Mutiara, and Ahmad Wahyudi Zein. 2025. “Pemikiran Ekonomi Islam Tentang Riba Dan Implikasinya Pada Stabilitas Keuangan Di Era Kontemporer.” Karakter : Jurnal Riset Ilmu Pendidikan Islam 2 (1): 268–75. https://ejournal.aripafi.or.id/index.php/Karakter/article/view/408.
Hidayatullah, Arsal, and Zul Efendi. 2024. “Riba Dalam Ayat Al-Qur’an Dan Hadits : Tinjauan Teks Dan Konteks.” Jurnal Hukum Ekonomi Syariah 4 (1): 1–30. http://ejournal.stisdafabondowoso.ac.id/ejurnal/index.php/kasbana/article/download/108/91.
Jayadi, Hirman. 2023. “Riba Dan Transaksi Keuangan Modern: Aplikasi Tafsir Tahlili Terhadap QS. Al-Baqarah Ayat 275-276.” Qudwah Qur’aniyah : Jurnal Ilmu Al-Qur’an Dan Tafsir 1 (1): 1–18. https://doi.org/10.30631/qudwahquraniyah.v1i1.1848.
Melinda, Lisbeth Lesawengen, and Fonny J Waani. 2021. “Perilaku Konsumtif Dan Kehidupan Sosial Ekonomi Mahasiswa Rantau (Studi Kasus Mahasiswa Toraja Di Universitas Sam Ratulangi Manado.” Journal Ilmiah Society 1 (1): 1–10. https://ejournal.unsrat.ac.id/v3/index.php/jurnalilmiahsociety/article/view/38784/35310.
Rahmi, Cinta, Shabrina Talitha Andani, Rindu Putri Nazareni, Cesta Izzati Ukarana, and Nanda Gusfiani Cahyo. 2024. “Tantangan Dan Prospek Pengendalian Riba Dalam Industri Perbankan (Studi Kasus Praktik Pembiayaan Konvensional Kartu Kredit Bank BRI).” Jurnal Ilmiah Ekonomi Dan Manajemen 2 (6): 79–88. https://doi.org/10.61722/jiem.v2i6.1274.
Saiddaeni. 2023. “Meninjau Kembali Definisi Riba Era Modern, Pinjaman Uang Kartal (Fiat) Perspektif Studi Islam Fiqih Kontemporer.” Madinah : Jurnal Studi Islam 10 (1): 58–69. https://doi.org/https://doi.org/10.58518/madinah.v10i1.1549.
Sandi, A, A Abubakar, and M Mahfudz. 2024. “Riba Dan Perilaku Hedonis Dalam Kajian Qur’an.” JAMBURA: Jurnal Ilmiah Manajemen Dan Bisnis 7 (1): 49–53. https://ejurnal.ung.ac.id/index.php/JIMB/article/viewFile/25049/8536.
Taufiq, Moch Imron. 2021. “Konsep Riba Dalam Perspektif Hadis.” Jurnal Riset Agama 1 (1): 97–106. https://doi.org/10.15575/jra.v1i1.14260.
DOI: https://doi.org/10.24952/alfawatih.v7i1.15932
Refbacks
- There are currently no refbacks.
Diterbitkan Prodi Ilmu Al-Qur'an dan Tafsir Fakultas Syariah dan Ilmu Hukum Institut Agama Islam Negeri Padangsidimpuan
Jalan T. Rizal Nurdin Km, 4,5 Sihitang Padangsidimpuan
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License