Penentu Pemilihan Bank Menurut Perspektif Islam: Satu Sorotan Awal

8/8/2019 Penentu Pemilihan Bank Menurut Perspektif Islam: Satu Sorotan Awal

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\`iaghz M`p|hbhshghg A|ohi AA ^`zagcmht M`jhgc|hhg

8

^`g`gtp ^`iaoabhg Jhgm I`gpzpt ^`z|~`mtae A|ohi; \htp

\fzfthg Hsho 8

Hbihd H{zag Hdghg: dhg Shg Ifbd Qp|fe Shg Lbam


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8>

~`zbpjpgchg qhgc o`gcmh~ daghiha iphihohb0

pgtpm dakhdamhg |`jhcha

~hgdphg fo`b piht ihgp|ah' Ah i`glhmp~a |`choh bho `bsho m`badp~hg

|`~`zta pgdhgc)pgdhgc |f|aho/ m`mòphzchhg/ `mfgfia/ ~foatam/

~`zoìjhchhg/ ~ì`zagthbhg/ k`ghqhb dhg |`jhchagqh "Hjd' Khoao Jfzbhi/

8111;8!' \`lhzh h|h|/ iphihohb i`zp~hmhg |hohb |htp dhza~hdh dph

lhjhgc ~`gtagc |qhzahb |òhag ajhdht qhgc j`zohgdh|mhg bpmpi)bpmpi

qhgc tòhb dat`th~mhg dhohi A|ohi' I`gpzpt Ifbd \hoo`b Hbihd

"8111;:>!/ bpmpi)bpmpi qhgc j`zmhat d`gchg |qhzahb |`lhzh pipigqh

t`zjhbhca m`~hdh dph jhbhcahg' ^`zthih/ bpmpi)bpmpi qhgc

da~`zaglamhg' M`dph/ bpmpi)bpmpi qhgc dhthgc dhohi j`gtpm mh`dhb

dhg ~zag|a~)~zag|a~ pipi' Dhohi mfgt`m| iphihohb/ ah t`zcfofgc dhohi

jhbhcahg qhgc m`dph jhca iì`gpba |`choh m`~`zophg ihgp|ah dhg

j`z|`|phahg i`gcampt ~`zpjhbhg {hihg/ tì~ht dhg hdht' Bho qhgc

|`dìamahg j`zt`~hthg d`gchg ~zag|a~ ihxh|ad |qhzaqqhb5 qhgc j`ztpkphg

i`glh~ha ih|ohbht hthp eh`dhb dhza ~òhm|hghhggqh dhg i`gfohm

mìpdhzhthg "Ho)\qhtaja/ t't;5!'

^`gòatahg t`gthgc h|~`miphihohb aga |`j`ghzgqh tòhb i`gc`t`gchbmhg

~òjhcha |mf~ ~`gc`ztahggqh |àzagc d`gchg ~`zmìjhgchg i`tfdfofca

~hzh epxhbh' \`lhzh ~`zjhgdagchg hgthzh ~òjhcha ~`gpoa|hg |aohi d`gchg

~`gpoa|hg jhzp bpmpi A|ohi/ Ihbiffd [pbda Hjd' Ihkad "8111;80! tòhb

i`zpip|mhg jhbhsh bpmpi iphihohb i`gpzpt ~`z|~`mtae |ìh|h

j`z|hgcmpt ~hpt d`gchg pzp|hg bhzth dhg ~ìaoamhg jhca |`|`fzhgc atp'

^`gc`ztahg aga j`zj`{h i`gpzpt ~`z|~`mtae |aohi qhgc iòa~pta h~h kph

m`cahthg ihgp|ah' Pzp|hg bhzth dhg ~ìaoamhg aga i`zp~hmhg |hohb |htp

dhza~hdh m`cahthg `mfgfia' \`lhzh o`jab mbp|p|/ ah i`zpkpm m`~hdh

0Iphihohb i`gpzpt jhbh|h Hzhj j`zihm|pd pzp|hg badp~ |`lhzh pipi/ ihghmhoh Mhip|

D`shg i`gdèaga|amhggqh |`jhcha |`choh ~`zmhzh hthp bho qhgc t`zcfofgc dhohi hthp qhgc

j`zmhathg d`gchg jadhgc ih|qhzhmht "Ihbiffd [pbda Hjd' Ihkad/ 8111= Mhip| D`shg

Jhbh|h dhg ^p|thmh/ :>>>!'5Tpkphg)tpkphg pipi hthp mìh|ohbhthg j`|hz qhgc damhsho fo`b pgdhgc)pgdhgc A|ohi hthp

|qhzhm'


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8:

^`zjaglhgchg da jhbhcahg aga t`ztpi~p m`~hdh ì~ht ~`g`gtp qhgc ~`zop

daj`za ~`zbhtahg fo`b ~`gccpgh ip|oai dhohi h|~`m ~ìaoabhg jhgm

i`gpzpt còhcht ~`gccpgh j`zt`zh|mhg A|ohi' Ah i`zhgcmpia h|h|

iphohiht A|ohi dhg pg|pz)pg|pz qhgc daohzhgc dhohi iphohiht A|ohi'

4'8 ^`g`gtp ^`zthih; ^`ztaijhgchg Bhoho/ Bhzhi dhg \qpjbht

^`ztaijhgchg bhoho dhg bhzhi j`zmhathg |`|phtp ~`gccpghhg |`bhzp|gqh

i`gkhda mzat`zah pthih |`|`fzhgc agdauadp ip|oai' Ah dahgcch~ ~`gtagc

m`zhgh bpjpgc mhatgqh d`gchg |fho màihghg qhgc |`gtah|h ~`zop

da~òabhzh' T`zdh~ht ~òjhcha dhoao dhg gh| |`zth ~`z|~`mtae pohih |hih

hdh qhgc j`z|aeht hgkpzhg dhg tpgtpthg hthp c`|hhg dhg ohzhgchg qhgc

iìjhsh m`~hdh ~`g`gtphg bhoho dhg bhzhigqh t`gthgc |`|phtp'

\`lhzh pipi/ i`glhza qhgc bhoho atp tòhb da|`jptmhg |`lhzh gh||a3 da

dhohi bhda| qhgc dazashqhtmhg dhza~hdh Hgh| jag Ihoam z'h qhgc

j`zihm|pd;

I`glhza qhgc bhoho atp hdhohb shkaj m` hth| |`tah~ fzhgc A|ohi'

"Bhda| Zashqht Ho)Thjzhga!

^`zmhthhg bhoho dhg bhzhi j`zh|ho dhza~hdh jhbh|h Hzhj' \`lhzh oat`zho/

Khjhthg Mìhkphg A|ohi Ihohq|ah "KHMAI! i`gdèaga|amhg bhoho |`jhcha

daj`ghz hthp dajfo`bmhg fo`b bpmpi |qhzhm/ ihghmhoh bhzhi hdhohb

|`jhoamgqh' \`lhzh o`jab mbp|p|/ Mathj Jhbzp Ho)Ihd{a; \qhzhb

Ipmbth|bhz \bhbab Ht)Taziad{a |p|pghg Ipbhiihd Adza| Ho)Ihzjhsa

":>>5;8>:)8>

daj`ghzmhg i`gpzpt bpmpi |qhzhm dhg daihmopia fo`b |ìph fzhgc/

ihghmhoh bhzhi hdhohb |`jhoamgqh |hih hdh ~hdh j`gdh hthp hiho'

Thmzaehg aga j`zohgdh|mhg bhda| qhgc tòhb dazashqhtmhg dhza~hdh Hjp A|h

Ht)Taziad{a qhgc j`zihm|pd;

3Kòh| dhg t`zhgc'


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8>0!'

[hbhzpddag Hjd Zhbihg ":>>2! i`g`zp|a jpmp j`oahp qhgc j`zthkpm

Shgc/ Hgdh dhg A|ohi; Bhoho dhg Bhzhi dhohi M`shgchg dhg

^`zjhgmhg i`gc`t`gchbmhg j`j`zh~h dhoao ~`gtagcgqh ~`ihbhihg

t`gthgc bhoho dhg bhzhi dhohi m`shgchg' \`lhzh o`jab mbp|p|/

~`zjaglhgchg aga daiphtmhg dhohi jhj ~`zthih qhgc dajhbhcamhg m`~hdh

dph jhbhcahg/ ahatp dhoao dhg gh|= dhg {pbpd dhg |hohb ehbhi' Jhca


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84

ihm|pd m`zth| aga/ ~`zjaglhgchg bhgqh datpi~pmhg m`~hdh jhbhcahg

~`zthih |hbhkh'

Dhohi jhbhcahg ~`zthih aga/ jòahp i`gcpthzhmhg oaih bhda| qhgc

dabpjpgc mhatmhg ~`zjaglhgchggqh da hgthzh |htp |hih ohag' ^`zthih/ ah

i`gq`gtpb t`gthgc oaih ~`zmhzh ~`gtagc qhgc hmhg da~`zbhop|a mòhm ~hdh

bhza ~ìjhoh|hg |`jhchaihgh |hjdh Jhcagdh Ghja Ipbhiihd |'h's'

qhgc j`zihm|pd;

Tadhm hmhg o`~h| dph mhma hghm Hdhi da hmbazht da bhdh~hg Hoohb

\ST/ m`lphoa |`tòhb dathgqh oaih ~`zmhzh; T`gthgc pipzgqh da

ihgh ah bhja|mhggqh/ t`gthgc m`~ìpdhhg dhg m`~ìpdahggqh da

ihgh dacpghmhg/ dhg t`gthgc bhzthgqh dhza ihgh dhthgcgqh dhg m`

ihgh dajòhgkhmhggqh/ dhg h~hmhb qhgc daohmpmhg d`gchg aoipgqh'

"Zashqht ht)Taziad{a/ gf :485= Hojhga ; \hbab!

M`dph/ ah j`zmhat d`gchg ai~oamh|a ~`gccpghhg |`|phtp qhgc bhzhi

|`jhchaihgh bhda| qhgc j`zihm|pd;

\`tah~ dhcagc qhgc tpijpb dhza~hdh bhzth qhgc mftfz "bhzhi! ihmh

g`zhmh hdhohb o`jab ohqhm pgtpmgqh'

"Zashqht ht)Thjzhga/ 81&83= Atbhe H|)\hdht

ho)Iptthxag/ H{)[pjhqda/ 0&::5!

M`tach/ ah iì~`zoabhtmhg m`~`gtagchg i`gdhohia aoip iphihoht

|`jhchaihgh |hjdh Zh|popoohb \HS qhgc j`zihm|pd;

Khgchg mhip j`zkpho jòa da ~h|hz mhia/ m`lphoa tòhb i`gdhohia

aoip "bpmpi! hchih t`gthgcgqh'

"Zashqht ht)Taziad{a/ gf 423/ bhohihg 8:1= Hojhga ; Bh||hg!


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80

M`ì~ht/ Jhcagdh Ghja Ipbhiihd |'h's tòhb i`gl`zathmhg m`~hdh ~hzh

|hbhjht t`gthgc m`hdhhg qhgc hmhg j`zohmp da |phtp ih|h jaohihgh

ihgp|ah |pdhb tadhm iì~`dpoamhg ohca |fho bhoho dhg bhzhi |`~`zta bhda|

qhgc j`zihm|pd;

Hmhg |hi~ha |htp {hihg da ihgh ihgp|ah tadhm i`gc`gdhbmhg

|pij`z ~`zfo`bhg bhzthgqh |hih hdh dhza qhgc bhoho hthp bhzhi'

"Zashqht ht)Taziad{a!

Mòaih/ ah i`gpgkpmmhg ~`zmhathg hgthzh ~`zoph|hg m`cahthg zajh dhg {agh

d`gchg tpzpggqh h{hj Hoohb |`jhchaihgh hihzhg Jhcagdh Ghja

Ipbhiihd |'h's qhgc j`zihm|pd;

H~hjaoh {hbazgqh |`lhzh iòph| zajh dhg {agh thgdhgqh hdhohb

i`z`mh tòhb i`gcbhohomhg "jhca tpzpggqh! h{hj Hoohb m` hth|

i`z`mh'

"Zashqht ho)Bhmai/ :&>:;38)3:! dhg ho)[pbhaoa "8125;28)2:!'

^`zthih ahohb bhzhi da|`jhjmhg ehmtfz dhohihg dhg m`dph ahohb bhzhi

da|`jhjmhg ehmtfz ophzhg' I`gpzpt jòahp/ piht A|ohi hiht j`zbhta)bhta

h~hjaoh i`gccpghmhg jhzhgc hthp ~`zmbadihthg jhca mfg|`~ qhgc

~`zthih/ t`th~a i`gchijao ipdhb t`zbhdh~ ~`gccpghhg jhzhgc dhg

~`zmbadihthg jhca mfg|`~ qhgc m`dph' O`jab dhza~hdh atp/ t`zdh~ht

|`còagtaz piht A|ohi qhgc i`gqì~atmhg ihm|pd mfg|`~ qhgc ~`zthih


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82

m`tadhmhdaohg dhg m`tadhmtòp|hg' Jhca Ifbd Zhd{a Ftbihg %

Cbhehzpoohbbpddag Dag ":>>0;828)81

ohzhgchg dhohi iphihohb ~`z`mfgfiahg dhg ~`zgahchhg' Oaih ~`zhtpzhg

t`z|`jpt ahohb i`gkhohga hmtauata iphihohb |`lhzh bhx/ i`gkhpba ~`zmhzh

|qpjbhb/ j`zohmp kpkpz/ iòhm|hghmhg m`j`jh|hg dhg m`zòhhg= dhg

i`g`chmmhg m`hdaohg' Ihghmhoh ohzhgchg i`zpkpm m`~hdh pzp|gahch qhgc

j`zpg|pz zajh/ ~`ga~phg/ cbhzhz/ zh|phb dhg ho)mbhiz' I`z`mh tpzpt

i`gcìpmhmhg tach ~popb dph gaoha t`zh| dhohi ~`zohmphg `mfgfia

i`gpzpt ~`z|~`mtae ho)Xpzhg dhg ho)\pgghb |`~`zta aoip/ thmsh/ xhghhb

dhg |`jhchagqhg/'

Dhza~hdh ~`zjaglhgchg da hth|/ dh~ht da~`zbhtamhg m`|`~hmhthg ~hzh

|hzkhgh A|ohi t`gthgc j`j`zh~h pg|pz qhgc daohzhgc dhohi iphohiht

A|ohi' ^`zthih/ |`|phtp pzp|gahch atp i`|taohb j`jh| dhza~hdh pg|pz zajh'

M`dph/ j`jh| dhza~hdh pg|pz kpda' M`tach/ j`jh| dhza~hdh ~`gkphohg

jhzhgchg hthp ~`zmbadihthg qhgc dabhzhimhg dhohi A|ohi' M`ì~ht/

j`jh| dhza~hdh pg|pz cbhzhz' Mòaih/ j`jh| dhza~hdh |`choh j`gtpm

~`ga~phg'

4': ^`g`gtp M`dph; Tpgtpthg I`glhza \`|phtp Qhgc J`zmphoata

\`lhzh pipi/ mphoata dadèaga|amhg |`jhcha m`hdhhg qhgc ~hoagc jham/

pgccpo/ i`g`~hta m`b`gdhm qhgc dat`th~mhg dhg iìj`za m`~ph|hg

m`~hdh |ìph ~abhm "Ifbd \hjza Hjd' Cbhehz/ :>>3!' T`zdh~ht ~òjhcha

dèaga|a mphoata i`gpzpt ~`z|~`mtae oh{ai qhgc |`zagcmhoa dacpghmhg fo`b

~hzh ~`gcmhka "Bf % S`hzg/ 8110!' Hgthzhgqh |`~`zta tb` tfthoatq fe

e`htpz`| hgd lbhzhlt`za|tal| fe h ~zfdplt fz |`zual` tbht j`hz| fg at|

hjaoatq tf i``t h |tht`d fz ai~oa`d g``d/ lfgefzihgl` tf z`xpazì`gt/

eatg`|| efz p|`/ tb` d`cz`` fe lfgefzihgl` tf h |thgdhzd dhg p|`z

|hta|ehltafg'


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81

Mphoata i`gpzpt ~hgdhgchg A|ohi iì~pgqha ~`gc`ztahg qhgc kòh|

j`zj`{h dhza~hdh m`|ìph ~`gc`ztahg oh{ai qhgc tòhb damìpmhmhg' \htp

dhza~hdh h|~`m qhgc iìj`{hmhg m`dphgqh hdhohb ah tadhm dapmpz

|`jhgqhmihgh ~zfdpmtauata dh~ht dabh|aomhg thg~h iòajhtmhg |fho

~ìjaghhg |hb|ahb' Ah j`zihmgh h|~`m chgkhzhg iht`zaho "p~hb! dhg kpch

zfbhga "~hbhoh! bhzp| dachjpgc khoag dìa i`glh~ha m`z`dbhhg Hoohb |'s't

"Ghsa A|ihao/ :>>3!' Kòh|gqh/ mphoata tadhm dapmpz i`gpzpt ~`ztaijhgchg

g`zhlh ihgp|ah hthp ptaoathzahg' O`jab khpb dhza atp/ ah j`zchgtpgc m`~hdh

|qhzht dhg pmpzhg m`z`dbhhg Hoohb |'s't "H|qzhe Shdka Dp|pma/ :>>3!'

Ipbhiihd \qpmza \hoo`b ":>>

ho)Ihadhb hqht 4/ ho)Jhxhzhb hqht 83:/ ho)Ihadhb hqht 0/ ho)Ghbo hqht 884

dhg ho)Hzhe hqht 803/ jòahp i`zpip|mhg dph ~`zmhzh' ^`zthih/ A|ohi

i`gcc`|h pihtgqh hchz bhgqh i`gccpghmhg jhzhgchg qhgc jham dhg

|pla' M`dph/ ~`zmhthhg qhgc i`zpkpm m`~hdh j`gdh)j`gdh qhgc jham

|`jhchaihgh ~`tamhg hqht)hqht ho)Xpzhg j`zihm|pd h~h kph j`gdh qhgc

i`gdhthgcmhg m`|`ghgchg dhg m`cìjazhhg m`~hdh ~`gccpghgqh

t`zthmopm m`~hdh jhth|hg |qhzhm'

Ifbd \hjza Hjd' Cbhehz ":>>3! ~poh i`gcpthzhmhg ~òjhcha dhoao dhg gh|

qhgc j`zp~h tpgtpthg dhg a|qhzht qhgc kòh| jhbhsh A|ohi hiht i`gatam

j`zhtmhg |fho mphoata dhohi |`c`gh~ |`ca m`badp~hg' Mp~h|hg jòahp dhohi

jhbhcahg Mphoata; \phtp Tpgtpthg i`gcchijhzmhg jhbhsh A|ohi

i`gcchohmmhg ~`gccpghhg jhzhgc dhg ~`zmbadihthg qhgc j`zmphoata

i`zhgcmpia h|~`m iphihoht' \`jhcha lfgtfbgqh/ A|ohi i`gcbhzp|mhg


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:>

mbaqhz2

"~aoabhg! pgtpm i`gkhch m`~`gtagchg ~`gkpho dhg ~ìjòa dìa

m`~ph|hg da m`dph jòhb ~abhm' Jòahp tpzpt i`gc`t`gchbmhg j`j`zh~h

dhoao dhg gh| j`zmhathg a|qhzht mphoata da dhohi ho)Xpzhg qhgc i`zpkpm

m`~hdh |pzhb hoa Aizhg hqht 81/ ho)Bakz hqht 1/ ho)Hb{hj hqht :8/ ho)

Aizhg hqht 88> dhg ho)Bpkpzht hqht 83!


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:8

~òhjpzhg/ ~ìjahqhhg dhg ~`zmbadihthg)~`zmbadihthg ~`zjhgmhg qhgc

ohag' Ah tpzpt i`glhmp~a h|~`m ~`gqhi~hahg ~`zmbadihthg |hih hdh

dhza~hdh |`ca mìpdhbhg agezh|tzpmtpz hthp mhmathgchg1

jhgm'

4'< ^`g`gtp M`tach; ^pohgchg Ih|ohbht

\`lhzh ipdhb/ ih|ohbht8>

j`zihm|pd m`jhamhg hthp m`~`gtagchg "Hjdpo

Bhoai Ipbhiihd/ :>>8;

ihtohiht ~`gccpghhg i`gpzpt ~`z|~`mtae A|ohi dhg oh{ai' \òhag atp/

~`zmhthhg ih|ohbht hdhohb tadhm |agfgai d`gchg ihtohiht m`~`gccpghhg

oh{ai qhgc o`jab i`gcpthihmhg ihtohiht iìhm|aipimhg m`~ph|hg

~`gccpgh "Mpz|bad Hbihd/ 811:;!' Shobho A|ohi i`gkhdamhg h|~`m

m`z`dbhhg Hoohb |'s't "ihzdbhtaoohb! |`jhcha ihtohiht hmbaz |`|phtp

~`gccpghhg thg~h i`gchjhamhg m`~`gtagchg m`b`gdhm m`j`gdhhg/

m`~`zophg dhg m`~ph|hg ihgp|ah'

Dhohi mfgt`m| ~pohgchg ih|ohbht/ ah i`zpkpm m`~hdh m`|hg)m`|hg qhgc

taijpo hmajht dhza~hdh ~`gccpghhg |`|phtp jhzhgc hthp ~`zmbadihthg'

\`jhcha lfgtfb/ |`|phtp jhzhgchg hthp ~`zmbadihthg qhgc bhoho dhg

j`zmphoata tadhm |ì`|tagqh iìj`za ~pohgchg ih|ohbht m`~hdh

~`gccpghgqh "Shg Ifbd Qp|fe Shg Lbam/ :>>Dhohi hmtauata m`~`gccpghhg/ Jhjaoaq "8122;54! iìjhbhcamhg ih|ohbht m`~hdh dph'

^`zthih/ ih|ohbht pipi qhgc i`zpkpm m`~hdh m`~`gtagchg ih|qhzhmht |`lhzh

m`|òpzpbhggqh t`zbhdh~ ~òhm|hghhg |`jhzhgc hmtauata m`~`gccpghhg qhgc datpgtpt fo`b

hchih' M`dph/ ih|ohbht mbh| qhgc i`zpkpm m`~hdh m`~`gtagchg agdauadp hthp mpi~pohg

t`zt`gtp' Dhza~hdh m`dph)dph ih|ohbht aga/ A|ohi i`gcpthihmhg m`~`gtagchg ih|ohbht

pipi jhca i`gcbagdhza |`jhzhgc m`|poathg i`gai~h ih|qhzhmht pipi'


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::

ih|ohbht ~`zop daj`za ~`ztaijhgchg |`lhzh j`z|hih fo`b |`tah~ ~`gccpgh

ip|oai'

^`zjaglhgchg t`gthgc ~pohgchg ih|ohbht hdhohb t`ztpi~p m`~hdh

ihtohiht dhg tpkphg j`z`mfgfia' [hagho Hjadag Hbihd "8131;80>!

iòhopa jpmpgqh qhgc j`zthkpm Dh|hz)Dh|hz @mfgfia A|ohi tòhb

i`gcp~h| tpkphg `mfgfia dhza~hdh ~`z|~`mtae A|ohi' I`gpzpt jòahp/

h|~`m aga tòhb dachijhzmhg |`lhzh gh||a da dhohi |pzhb ho)Xh|bh|b hqht

33 qhgc j`zihm|pd;

Dhg p|hbhmhgohb ~hdh |`choh j`gdh qhgc dahgpc`zhbmhg

m`~hdhip hmhg m`|`ghgchg mhi~pgc hmbazht/ dhg khgchgohb mhip

op~hmhg m`jhbhcahg gh|ajip da dpgah/ dhg j`zjphtohb m`jhkamhg

m`~hdh |`|hih ihgp|ah |`jhchaihgh Tpbhg j`zjpht m`jhkamhg

m`~hdhip= dhg khgchgohb i`glhza)lhza m`zf|hmhg m`bhglpzhg da

ipmh jpia' \`|pgccpbgqh Tpbhg tadhm i`gqpmha fzhgc)fzhgc qhgc

j`zjpht m`jagh|hhg'

J`z~hgdpmhg hqht da hth|/ jòahp i`gqai~pomhg ì~ht tpkphg j`z`mfgfia

~hdh ~hgdhgchg A|ohi' ^`zthih/ i`glhza m`|`ghgchg hmbazht d`gchg

iìhgehhtmhg |`choh mìpdhbhg qhgc dahgpc`zhba fo`b Hoohb |'s't'

M`dph/ iì~`zkphgcmhg gh|aj daza da dpgah dhohi bho i`glhza z`{`ma dhg

bhm iaoam bhzth j`gdh' M`tach/ iòhm|hghmhg |`jhgqhm ipgcmag m`jhkamhg

m`~hdh ih|qhzhmht= dhg m`ì~ht/ tadhm i`glhza m`jagh|hhg da dpgah aga'

\haepo H{bhz Zf|oq "811:;54! ~poh i`gcpthzhmhg ~`gdazahg Hgh| [hzxh

qhgc i`gqhzhgmhgmhg p|hbh iìhm|aipimhg ~hbhoh |`jhcha ihtohiht

|`j`ghz ~`gccpgh dhg jpmhggqh iìhm|aipimhg m`~ph|hg' ^`gdazahg

qhgc |`zp~h tpzpt dajaglhgcmhg fo`b Ifg{`z Mhbe "8128;


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: dhg ho)Bpih{hb hqht


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:0

M`|ìph dhoao dhg gh| qhgc dagqhthmhg i`gcchijhzmhg j`th~h

~`gtagcgqh ihgp|ah iòhmpmhg ~`ztaijhgchg da hgthzh ~òjhcha

mìh|ohbhthg' Dhohi bho aga/ Qp|fe ho)Xhzhdbhsa ":>>:;:0):3! i`g`zp|a

mhzqh jòahp qhgc j`zthkpm Eaxb M`pthihhg "M`pthihhg Tpch|)Tpch|

Mhpi Ip|oaiag! tòhb i`zpip|mhg tach |p|pghg hthp m`pthihhg

j`zdh|hzmhg m`|`~hmhthg pohih p|po' ^`zthih ahohb ~`zmhzh qhgc dhzpzht

"ho)dhzpzaqht!88

' M`dph ahohb ~`zmhzh qhgc da~`zopmhg "ho)bhkaqht!8:

= dhg

m`tach ahohb ~`zmhzh qhgc i`gkhda ~ò`gcmh~ "ho)thb|agaqht!8>:;:5!'8>0;0:)04! ia|hogqh/ i`gchgcch~ jhzhgc

m`~`zophg badp~ |`jhcha |`|phtp qhgc i`|ta hdh' M`tahdhhg jhzhgc |`~`zta

aga jfo`b i`gchmajhtmhg mìhtahg' Jhzhgc m`~`zophg h|h| ~poh |hih

|`~`zta jhzhgc m`~`zophg badp~/ lpih tadhm iìjhsh m`~hdh mìhtahg

qhgc |`c`zh' Jhca jhzhgc m`~`zophg m`l`mh~hg/ ah da~`zopmhg pgtpm

iì~h|tamhg m`l`mh~hg |`|phtp bho/ ihghmhoh jhzhgc m`|ò`|hhg

j`ztpkphg i`gagcmhtmhg ohca mphoata m`~`zophg h|h| jhca i`gamihta

m`|ò`|hhg dhg m`|`ghgchg' \`t`zp|gqh/ jhzhgc i`shb da~`zopmhg pgtpm

i`gamihta tagcmht m`badp~hg qhgc o`jab |ò`|h j`zjhgdagc gamiht

jhzhgchg dhg ~`zmbadihthg bhkaqhb dhg thb|agaqhb' Hmbazgqh/ jhzhgc

i`zjhbhqh i`zpkpm m`~hdh jhzhgchg qhgc i`gchmajhtmhg m`zf|hmhg dhg

mìpdbhzhthg m`~hdh ~`gccpgh dhg ih|qhzhmht |òpzpbgqh'

Dhohi mfgt`m| pzp|hg m`shgchg |ìh|h/ |`tah~ tagdhmhg hthp còhcht

m`~`gccpghhg ~`zop dapmpz i`gcampt ~ahshahg ih|ohbht |qhzhm

|`jhchaihgh ~`zjaglhgchg |`jòpigqh' Fo`b m`zhgh m`b`gdhm dhg

m`~`zophg ihgp|ah hdhohb j`zj`{h)j`{h/ thbh~ m`~`zophg |`|phtp jhzhgchg

hthp ~`zmbadihthg tadhm t`zamht m`~hdh |htp ~`g`gtphg' Ghipg j`catp/

A|ohi tòhb i`g`th~mhg chza| ~hgdphg t`zt`gtp hchz ihgp|ah dh~ht

i`gkhohga m`cahthg `mfgfia qhgc daz`dbha fo`b Hoohb |'s't' Iòhopa


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:3

~ìj`gtpmhg Ifdò ^`gccpghhg A|ohi/ Hgh| [hzxh "812

jhbhsh |hohb |htp |qhzht pthih j`zmhathg ~`gccpghhg A|ohi ahohb k`ga|

~`gccpghhg qhgc bhoho dhg i`gcampt m`pthihhg/ m`~`gtagchg dhg

m`~`zophg' Da |hi~agc atp/ ~`gccpghhg t`z|`jpt ~`zop iì~pgqha ghtakhb

qhgc jham' I`gpzpt jòahp/ ~`zfo`bhg ~hbhoh j`zchgtpgc m`~hdh

m`|hgccp~hg iòhm|hghmhg hihohg shkaj/ iì~`ztagcmhtmhg hihohg

|pght dhg i`gagcchomhg hihohg bhzhi dhg ihmzpb/ tadhm m`~hdh

~`gccpghhg bhzth ifdho qhgc daiaoama' Ghipg j`catp/ bhzth ifdho atpohb

qhgc hmhg dacpghmhg ghgta |`jhcha |hohb |htp ag|tzpi`g pgtpm

iì~`zfo`ba ~hbhoh dhg |`t`zp|gqh i`gdh~htmhg m`z`dbhhg Hoohb |'s't'

Agaohb qhgc dathmzaemhg fo`b \q`d Ftbihg Hobhj|ba |`jhcha tagcmht

~`gccpghhg qhgc f~taipi' Ah i`zpkpm m`~hdh |htp thbh~ qhgc dh~ht

i`gcbh|aomhg ih|h dhg t`ghch qhgc ihm|aipi pgtpm i`gchjdamhg daza

m`~hdh Hoohb |'s't'

Jhca Hbihd H{zag Hdghg ":>>3;80!/ ~`gccpghhg |`lhzh ~zag|a~gqh

j`zihtohihtmhg i`glhza m`z`dbhhg Hoohb |'s't dhg i`gkhda shkaj pgtpm

iìòabhzh |`|phtp mìh|ohbhthg' \`jhoamgqh/ ~`gccpghhg i`gkhda

bhzhi kamh ah dacpghmhg pgtpm tpkphg j`zjòhgkh i`shb |`lhzh j`zt`zp|hg'

Bhzhi da |aga jpmhg m`zhgh i`shb/ t`th~a m`zhgh ah daohmpmhg |`lhzh

j`zt`zp|hg' @ztagqh/ A|ohi tadhm iìjhth|mhg pihtgqh pgtpm iìaoama

m`mhqhhg dhg i`gamihta m`|ò`|hhg |`zth mì`shbhg badp~ |`~`zta qhgc

dagamihta fo`b Ghja \pohaihg dhg Mbhoaehb Ftbihg' ^hoagc ~`gtagc/

|`jhzhgc j`gtpm ~`gccpghhggqh qhgc t`zbh|ao tadhm i`gfgkfomhg |aeht

jfzf| dhg jhmbao "He{ho)Pz)Zhbihg/ 8118;:>!' Aga kòh| t`zchijhz da

dhohi eazihg Hoohb \ST Ho)Xpzhg "\pzhb ho)Epzxhg/ :0;53! qhgc

j`zihm|pd;

Dhg fzhgc)fzhgc qhgc h~hjaoh iìjòhgkhmhg "bhzth!/ i`z`mh

tadhm j`zo`jab)o`jabhg/ dhg tadhm "~poh! mamaz/ dhg hdhohb

"~`zjòhgkhhg atp! da t`gchb)t`gchb hgthzh qhgc dìamahg'


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:2

\òhgkptgqh/ \q`d Ftbihg Hobhj|ba "811:;8:4! i`gcbpkhbmhg jhbhsh

m`pthihhg |`|phtp jhzhgc hthp ~`zmbadihthg qhgc da~`zopmhg b`gdhmohb

da|hgdhzmhg m`~hdh bpmpi84

dhg jpmhggqh tagcmht m`~`zophg

jhca

i`glh~ha ihtohiht m`|`d`zbhghhg' Ah i`gpgkpmmhg jhbhsh hmtauata

m`~`gccpghhg A|ohi bhgqh j`zhdh dhohi oagcmpgchg tach ih|ohbht/ ahatp

dhzpzaqhb/ bhkaqhtdhg thb|agaqht' Hth| dh|hz aga/ Shg Ifbd Qp|fe Shg

Lbam ":>>3; ^`gptp~

^`zjaglhgchg m`zth| aga iìjhsh math m`~hdh zpip|hg j`th~h ~`zopgqh

ihgp|ah iò`thmmhg h|~`m ~`ztaijhgchg hchih |`jhcha m`pthihhg dhohi

i`gcbhdh~a mza|a| iìjpht ~aoabhg' \`|pha d`gchg |aehtgqh |`jhcha

hchih qhgc i`gqòpzpb dhg |phtp lhzh badp~/ A|ohi i`gq`dahmhg

~hgdphg o`gcmh~ pgtpm i`gkhohga |`choh j`gtpm m`badp~hg t`zih|pm

m`badp~hg j`z`mfgfia' D`gchg ~hgdphg t`z|`jpt/ ihgp|ah tadhm bhgqh

ihi~p i`ghgchga mza|a| ~ìaoabhg/ t`th~a kpch dh~ht badp~ t`ghgc dhg

dhiha |`jhcha bhijh Hoohb |'s't |`bagcch j`zkhqh i`glh~ha ihtohiht

qhgc bhmama ahatp m`z`dbhhg Hoohb |'s't'

84\hih hdh ehzdbp/ shkaj/ |pght/ ipjhb/ ihmzpb thg{aba/ ihmzpb thbzaia hthp bhzhi'


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:1

Zpkpmhg

Hjd' Khoao Jfzbhi "8111!' Ip#hihohb A|ohi; \phtp ^`gc`ghohg' Dhohi

Hjd' Khoao Jfzbhi "@d'!/ \hag| Iphihohb A|ohi da Ihohq|ah "i|' 8)8>!'

\mpdha/ Kfbfz; ^`g`zjat Pgau`z|ata T`mgfofca Ihohq|ah'

Hjdpo Bhoai Ipbhiihd ":>>8!' Pgdhgc)Pgdhgc Iphihoht dhg

H~oamh|agqh M`~hdh ^zfdpm)^zfdpm ^`zjhgmhg A|ohi' Mhkhgc/ \`ohgcfz;

Hzh| I`ch "I! \dg' Jbd'

He{ho)pz)Zhbihg "8120!' @lfgfial Dfltzag`| fe A|ohi ">3'

Hbihd \peqhg Lb` Hjdpoohb ":>>5!' J`j`zh~h ^zag|a~ Aktabhd dhohi

Tzhg|hm|a M`shgchg A|ohi \`ih|h; Hgthzh Eo`m|ajaoata d`gchg M`mhgchg'

Dhohi Hj' Ipiag Hj' Cbhga % Ehdaoohb Ihg|fz "@d|'!/ Daghia|i`

M`shgchg A|ohi da Ihohq|ah "i|' 0


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Hgh| [hzxh "812

Ihohq|ahg Lp|tfi`z| ^htzfga{` A|ohial Jhgm|6 Agt`zghtafgho Kfpzgho fe

Jhgm Ihzm`tagc/ :0"'

Bhaohga Ipka Thbaz "8125!/ ^`gc`ghohg Thihdpg A|ohi dhohi Ag|tatp|a

M`shgchg' Mphoh Opi~pz; D`shg Jhbh|h dhg ^p|thmh'

Bhzfg Dag "8111!'Ihgp|ah dhg A|ohi "`da|a mbh|!' \bhb Hohi/ \òhgcfz;

Ba{ja Ihzm`tagc \dg' Jbd'

Bh||hg Hbihd % Ipbhiihd \hoo`b Hbihd ":>>:!' P|po Eaxb dhg

Xhshad Eaxbaqqhb' Mphoh Opi~pz; ^p|thmh Hjdpo Ihkad'

Bf/ \' M' % S`hzg/ M' "8110!' H TXI Ifdò efz Bacb`z @dplhtafg hgd

Tzhagagc' Tzhagagc efz Xphoatq/

Ifbd H{ohg Qhbqh ":>>0!' M`~`gtagchg Gaoha)Gaoha A|ohi \qhzamht

T`zbhdh~ M`~ptp|hg ^òhjpzhg fo`b Hihghb \hbhi A|ohi' T`|a| Dfmtfz

Eho|hehb/ Pgau`z|ata Pthzh Ihohq|ah' Tadhm dat`zjatmhg'

Ifbd Zhd{a Ftbihg % Cbhehzpoohbbpddag Dag ":>>0!' @mfgfia Dhohi

^`z|~`mtae Ho)Xpzhg dhg Ho)\pgghb' ^pohp âghgc; ^`g`zjat Pgau`z|ata

\hag| Ihohq|ah'

Ifbd \hjza Hjdpo Cbhehz ":>>3!' Mphoata Dhza ^`z|~`mtae A|ohi' M`zth|

qhgc da|hi~hamhg |ì~`gh \hijpthg Bhza Mphoata Pgau`z|ata T`mgfofca

IHZH T`z`gcchgp/ >3'


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A|ohi' Mphoh Opi~pz; [`jzh @datafg| \dg' Jbd' dhg ^pohp âghgc; ^zfk`m

^`gcpzp|hg ^ìjhgcpghg A|ohi/ ^p|ht ^`gchkahg \hag| Mìh|qhzhmhthg/

Pgau`z|ata \hag| Ihohq|ah'

Ipbhiihd \qpmza \hoo`b ":>>:!' ^ìjhgcpghg J`zt`zh|mhg A|ohi'

Mphoh Opi~pz; Ptp|hg ^pjoalhtafg| % Da|tzajptfz| \dg' Jbd'

Gam Hjdpo H{a{ Gam Iht % Ifbd Ehdoa Cbhga ":>>2!' Hmbohm dhohi

J`ziphihoht' Mphoh Opi~pz; ^T\ ^pjoalhtafg| \dg' Jbd'

Gam Zf|aoh Gam Qhhlfj "8111!' Ad`hoa|i` \a|tì @mfgfia A|ohi Dhohi

@zh Cofjhoa|h|a' Dhohi Gam Ip|th~bh Gam Bh||hg/ \bàmb Ifbd

\haepdd``g \bàmb Ifbd \hoo`b % Bhia{h Ajzhbai "`d|'!' Cofjhoa|h|a

^`zhghg @mfgfia dhg M`shgchg A|ohi' Mphoh Opi~pz; Ag|tatpt

Mèhbhihg A|ohi Ihohq|ah "AMAI!' :>8):::'

\hbab Jpmbhza dhoi Ho)lH|xhohgaq/ Hbihd ajg Hbihd "8113! ; Ehtb ho)

Jhzaq\bhzb \hbab Ip|oai/ l`t'

Penentu Pemilihan Bank Menurut Perspektif Islam: Satu Sorotan Awal

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Transcript of Penentu Pemilihan Bank Menurut Perspektif Islam: Satu Sorotan Awal