Not Agree NU ulama Islamic Banking Problem
Bank October 6th, 2009
The scholars Nahdlatul Ulama (NU) has not one word or do not have the same opinion concerning the existence of Islamic banks, at least so that Halaqah raised in the Pre-Congress-32 NU Commission Waqi Maudlu “ iyah iyah.
The meeting was followed by the area manager NU envoy in Indonesia as well as institutional administrators, committee, and autonomous bodies NU, in Jakarta, Tuesday.
Vice Chairman of the Institute Takmirul Masajid Indonesia (LTMI) NU Mukhlas Syarkun rate, in some cases, Islamic banks were no different from conventional banks. In fact, he mentioned there was a violation of sharia in practice.
Mukhlas said Islamic banks are not familiar with flowers, but in practice the provision of credit, for example, introduced a system of collateral. Meanwhile, not all people, especially the poor, who can provide collateral to obtain credit.
“This is where Islamic banks could be called not shar` i because only people who can provide collateral to receive credit. While the very poor, no nothing, could not provide collateral, can not take credit, “he said.
Mukhlas was more in agreement with the concept of Grameen Bank in Bangladesh that developed the concept of micro credit which gives small loans to poor entrepreneurs who are unable to borrow from commercial banks.
Financial institutions was initiated by Muhammad Yunus is different from conventional banks because it does not use the collateral system.
To ensure repayment, Grameen Bank uses a system of “solidarity groups”. The groups applying for a loan together, and each member serves as a guarantor of the other members, so they can develop together.
“The concept of a bank like this, in my opinion, more than a shar` i Islamic bank itself, because it can lift the poor economy the poorest, “said Mukhlas.
The dissenting opinion stated Commission Chairman Waqi Maudlu “ iyah iyah KH Masyhuri Naim. According to him, banks generally do not conflict with Sharia Islamic law. One reason is the lack of bank interest that is forbidden in Islam.
“It’s just that in practice it is not entirely well as in his own theory. But it’s only natural. We are not not agree with Islamic banks. We only criticize the weaknesses in the practice Islamic banks themselves,” said NU was rais Syria.
According to Masyhuri, various issues surrounding the economy and Islamic banking in Halaqah raised will be discussed and examined in more detail in congress in Makassar, South Sulawesi, in January 2010.
