Islamic Financial

In: Business and Management

Submitted By adylahasim
Words 5517
Pages 23
1.0 Pengenalan

Menurut Mustafa Dakian, Sistem kewangan konvensional merupakan kebebasan mutlak seseorang. Sistem ini menggalakkan supaya keputusan kewangan dibuat hanya berasaskan pertimbangan keuntungan. Setiap orang ialah tuan punya hartanya, berhak sepenuhnya atas hasil daripada harta itu dan berhak pula membuat sesuka hatinya atas harta dan hasil tersebut. Prinsip ini berkisar atas dasar keuntungan peribadi sebagai syarat. Sebaliknya, dalam sistem kewangan Islam seperti yang sedia maklum, manusia dianggap sebagai wakil Allah SWT di bumi dan sebarang harta yang dimiliki oleh manusia hanya merupakan amanah semata-mata dan bukannya milik yang mutlak. Justeru, kebebasan menjalankan urusniaga dalam sistem kewangan Islam semestinya berlandaskan panduan yang ditentukan oleh agama Islam, bukan kepentingan diri sendiri semata-mata. Kewangan Islam dalam bentuknya yang terkini telah bermula sejak 30 tahun yang lalu walaupun prinsip – prinsip asasnya telah sedia ada sejak kedatangan Islam lagi. Sejarah awal Islam menunjukkan bahawa golongan Muslim juga cemerlang dalam bidang kewangan dan perniagaan dengan mengamalkan teransaksi yang halal dan bersih daripada sebarang unsur kezaliman seperti riba dan perjudian. Setelah tempoh itu dan sejak 30 tahun yang lalu, banyak perkembangan telah berlaku dan kewangan Islam kini diiktiraf sebagai mempunyai banyak potensi. Keampuhannya semasa melalui tempoh krisis kewangan yang melanda dunia membuktikan bahawa sistem kewangan Islam berupaya menjadi alternatif kepada sistem kewangan konvensional. Namun, tidak dinafikan bahawa sistem ini turut terjejas sedikit oleh kerana kelempabapan ekonomi dunia. Kepelbagaian kontrak Syari`ah dan dinamisma serta keanjalan Syari‟ah telah membantu perkembangan pelbagai produk dan innovasi dalam kewangan Islam. Sistem ini dijangka berupaya menyaingi sistem kewangan konvensional dan mencatatkan…...

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