STUDI KOMPARATIF RISIKO SISTEMIK ANTARA BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA: PENDEKATAN TAFSIR TEMATIK TERHADAP SURAH AL-BAQARAH
DOI:
https://doi.org/10.65778/atjebi.v4i2.89Kata Kunci:
Risiko sistemik, bank syariah, bank konvensional, tafsir tematik, Surah Al-Baqarah, riba, keadilan ekonomiAbstrak
Penelitian ini bertujuan untuk membandingkan risiko sistemik antara bank syariah dan bank konvensional di Indonesia dengan menggunakan pendekatan tafsir tematik (tafsir al-mawdu‘i) terhadap ayat-ayat Al-Qur’an dalam Surah Al-Baqarah, seperti ayat 30, 219, 220, 245, 275, 276, dan 282. Ayat-ayat tersebut membahas tema keuangan, keadilan, utang-piutang, riba, sedekah, serta distribusi kekayaan yang adil dalam sistem ekonomi Islam. Dengan menggabungkan analisis kualitatif dari tafsir klasik dan kontemporer seperti Tafsir al-Tabari, Ibn Kathir, dan Tafsir al-Mawardi, serta literatur ekonomi modern, penelitian ini menyoroti perbedaan mendasar antara prinsip syariah dan praktik perbankan konvensional dalam konteks stabilitas sistem keuangan. Hasil penelitian menunjukkan bahwa sistem keuangan syariah memiliki mekanisme internal yang mampu mengurangi risiko sistemik, seperti pelarangan riba, penerapan bagi hasil, dan kewajiban moral untuk sedekah dan keadilan sosial. Sebaliknya, sistem konvensional yang berbasis bunga cenderung memperbesar ketimpangan dan meningkatkan potensi krisis keuangan. Temuan ini memperkuat relevansi nilai-nilai Qur’ani terhadap kebijakan stabilitas keuangan di era modern.Referensi
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