TINJAUAN HUKUM ISLAM TERHADAP KONVERSI MODAL BANK NTB DARI BANK KONVENSIONAL MENJADI BANK SYARIAH (STUDI KASUS PADA BANK NTB)

FAIDANIA PRADANI, NIM. 17103080009 (2021) TINJAUAN HUKUM ISLAM TERHADAP KONVERSI MODAL BANK NTB DARI BANK KONVENSIONAL MENJADI BANK SYARIAH (STUDI KASUS PADA BANK NTB). Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

PT Bank NTB Syariah has converted from a conventional bank to a sharia bank in 2018 based on the NTB Regional Regulation Number 8 of 2018 concerning the conversion of PT Bank NTB to PT Bank NTB Syariah. PT Bank NTB Syariah is currently still using the capital structure before the conversion, where there is still a mix between halal and haram according to sharia, while a sharia bank must use halal capital according to sharia. In the MUI Fatwa Number 1 of 2004 concerning Interest, it has been explained that interest is included in usury and is unlawful. This type of research ia a field research with a normative juridical approach. As for the data analysis method used is descriptive normative. In the method of data collection the author uses the method of observation and interviews. With the conversion, PT Bank NTB Syariah must carry out its business activities using sharia principles. The current capital structure of PT Bank NTB Syariah is still using the pre-conversion capital structure so that there is still a mix of halal and haram. This makes there is no clear separation of capital between halal and haram. Because before converting PT Bank NTB Syariah was a conventional bank, so there was a practice of interest where interest was included in usury as stated in the MUI Fatwa Number 1 of 2004 concerning Interest. However, in the practice of converting PT Bank NTB to PT Bank NTB Syariah there are benefits that are more basic than harm so that it is in accordance with the objectives of Islamic Law and this practice is justified in Islam.

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