PENGEMBANGAN ṢHADAQĀH SEBAGAI SEBUAH KONSEP PEMBERANTASAN PRAKTIK RIBAWI

Studi di Kota Banda Aceh dan Aceh Besar

Abstract

The practice of usury that occurs among the community can have a negative impact on
the economy, cause injustice and create social in society. This has also been warned in the AlQuran Surah Al-Baqarah verse 276 where Allah SWT guarantees a solution for the eradication of
the practice of usury because to deal with usury, planned stages and strategies are also needed
and the main strategy to eradicate it is to activate ṣhadaqāh. Therefore, the author is interested in
examining how hadaqāh can have an impact on eradicating usury practices that occur in society
or how the implementation of ṣhadaqāh as an instrument for eradicating usury because nowadays
there are many practices of usury, especially in the markets. In this study, the authors used a
qualitative approach and for analysis the authors used descriptive analysis. In obtaining the data,
the author uses the method of interview, observation and documentation. The results of this study
are proving that hadaqah has an impact on reducing the practice of usury that occurs in society
because usury does not occur in obtaining welfare, usury does not meet the requirements as a
source of legal ownership in Islam. Therefore, having ṣhadaqāh funds which are then managed
and used as interest-free loans provided by the Baitul Misykat to traders in the market really helps
them in terms of business capital so that they no longer need to make credit to moneylenders or
other loans that contain usury elements. . Thus the practice of usury that occurs in the market is
reduced. Actions based on the results of usury become unworthy or unblessed, while ṣhadaqāh
can be seen as a stable or consistent instrument in the circulation of wealth that aims to build
welfare. Ṣhadaqāh can maintain a business balance that is free from the usury system.