Penolakan Konsep Time Value of Money dalam Ekonomi Islam untuk Menjaga Pertumbuhan Ekonomi Tetap Produktif

Asnaini Asnaini; Idwal B; Ayu Yuningsih

doi:10.32939/acm.v2i1.2631

Asnaini Asnaini UIN Fatmawati Sukarno Bengkulu
Idwal B UIN Fatmawati Sukarno Bengkulu
Ayu Yuningsih Dompet Dhuafa Bengkulu

DOI: https://doi.org/10.32939/acm.v2i1.2631

Keywords: time value of money, economic value of time , riba

Abstract

This study aims to reveal that the concept of time value of money in Islamic economics is as a rejection of the practice of interest (usury) or economics that ignores the real sector. The study used qualitative methods of content analysis with secondary data. The results revealed that Islamic economics rejects the concept of time value of money. Money is money, not a commodity. Money should always be positioned as a medium of exchange regardless of changes or additional time. Time cannot be the cause for the increase in the value of money in the past that exists in the present. Additions that are allowed are additional because of both business and social transactions. Additions due to loan contracts that position money as a commodity are strictly prohibited (haram) because they lead to interest (usury) instead of profit (profit). If this happens, it will seriously endanger economic growth. The economy became uncompetitive and the principles in Islamic economics were not fulfilled.

Downloads

Download data is not yet available.

References

Ahmad, A. U. F., & Hassan, M. K. (2006). The Time Value of Money Concept in Islamic Finance. American Journal of Islamic Social Sciences, 23(1), 66–89. https://doi.org/10.35632/ajiss.v23i1.436

Ahyani, H., Permana, D., & Abduloh, A. Y. (2020). Dialog Pemikiran Tentang Norma Riba, Bunga Bank, Dan Bagi Hasil di Kalangan Ulama. Kordinat: Jurnal Komunikasi Antar Perguruan Tinggi Agama Islam, 19(2), 247–264. https://doi.org/10.15408/kordinat.v19i2.18899

Aini, H. (2018). Pemikiran Ekonomi Islam Imam Al-Ghazali Tentang Uang Dalam Perspektif Maslahah Mursalah. JES (Jurnal Ekonomi Syariah), 3(1), 118–132. https://doi.org/10.30736/jesa.v3i1.41

Ali Fahmi, M., & Nurul Qomariyah, L. (2022). Pemikiran Ekonom Islam Abu Ubaid tentang Fungsi Uang dan Relevansinya. Iqtisodina Jurnal Ekonomi Syariah Dan Hukum Islam, 5(Juni), 75–80.

Baehaqi, A., Birton, M. N. A., & Hudaefi, F. A. (2020). Time value of money in Islamic accounting practice: a critical analysis from maqāṣid al-Sharī‘ah. Journal of Islamic Accounting and Business Research, 11(9), 2035–2052. https://doi.org/10.1108/JIABR-09-2018-0155

Fachrudin, F. (2018). Kajian Teori Laba Pada Transaksi Jual Beli Dalam Fiqh Mu’āmalah (Studi Komparasi Teori Laba Ekonomi Konvensional). Ad Deenar: Jurnal Ekonomi Dan Bisnis Islam, 1(01), 68. https://doi.org/10.30868/ad.v1i01.228

Fahim Khan, M. (1991). Time Value of Money and Discounting in Islamic Perspective. Review of Islamic Economics, 1(2), 35–45. https://d1wqtxts1xzle7.cloudfront.net/34414188/Time_Value_of_Money-Fahim-libre.pdf?1407761630=&response-content-disposition=inline%3B+filename%3DTIME_VALUE_OF_MONEY_AND_DISCOUNTING_IN_I.pdf&Expires=1684639150&Signature=UmqK0BtkdIsS5F0UZRSKi8OIbno4p~cCfdK1

Fajar, D. A. (2021). Kajian Perbedaan Time Value Of Money Atau Economic Value Of Time Dalam Perspektif Syariah. Jurnal Ilmiah Ekonomi Islam, 7(03), 1435–1440. https://doi.org/http://dx.doi.org/10.29040/jiei.v7i3.2624 1.

Hamza, H., & Jedidia, K. ben. (2017). Money Time Value and Time Preference in Islamic Perspective. Turkish Journal of Islamic Economics, 4(2), 19–35. https://doi.org/10.26414/tujise.2017.4.2.19-35

Harahap, S. A. R. (2019). PEMIKIRAN IMAM AL-GHAZALI TENTANG FUNGSI UANG. LAA MAISYIR, 6(1), 1–15. https://doi.org/https://doi.org/10.24252/lamaisyir.v6i1.9401

Herispon. (2020). Riba Dan Nilai Waktu Uang Dalam Perspektif Syariah: Review Konsep. JEBI (Jurnal Ekonomi Dan Bisnis Islam), 5(1), 1–23. http://journal.febi.uinib.ac.id/index.php/jebi/article/view/277

Iqbal, I. (2012). Pemikiran Ekonomi Islam Tentang Uang, Harga dan Pasar. Jurnal Khatulistiwa: Journal Of Islamic Studies, 2(1), 1–15. http://download.garuda.kemdikbud.go.id/article.php?article=896052&val=14028&title=PEMIKIRAN EKONOMI ISLAM TENTANG UANG HARGA DAN PASAR

Khoir, M. (2016). Nilai Waktu Dari Uang Dalam Perspektif Ekonomi Islam. JES (Jurnal Ekonomi Syariah), 1(1), 71–84. https://doi.org/10.30736/jesa.v1i1.6

Kiyarsi, R., & Wira Bhrata, R. (2021). Analisis Konsep Laba Akuntansi Syariah dalam Bisnis Syariah Berdasarkan Metode Library Research. Maro: Jurnal Ekonomi Syariah Dan Bisnis, 4(2), 60–74. https://doi.org/10.31949/maro.v4i2.1534

Kleinheksel, A. J., Rockich-Winston, N., Tawfik, H., & Wyatt, T. R. (2020). Qualitative research in pharmacy education: Demystifying content analysis. American Journal of Pharmaceutical Education, 84(1), 127–137. https://doi.org/10.5688/ajpe8417113

Maghfiroh, R. U. (2019). Konsep Nilai Waktu dari Uang dalam Sudut Pandang Ekonomi Islam. El-Qist : Journal of Islamic Economics and Business (JIEB), 9(2), 186–195. https://doi.org/10.15642/elqist.2019.9.2.186-195

Mahfuz, M. (2020). Produksi dalam Islam. El-Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah, 4(01), 17–38. https://doi.org/10.34005/elarbah.v4i01.1055

Mansur, A. (2009). Konsep Uang dalam Perspektif Ekonomi Islam dan Ekonomi Konvensional. Al-Qānūn, 12(1), 1–25. https://doi.org/https://doi.org/10.15642/alqanun.2009.12.1.155-179

Mardiana, A. (2014). Uang Dalam Perpekstif Dalam Ekonomi Islam. Al-Buhuts, 10(1), 91–109. http://journal.iaingorontalo.ac.id/index.php/ab

Mughits, A. (2009). Ketidakpastian Jenis dan Kriteria Hukum Riba dalam Perspektif Pemikiran Ulama. Jurnal Asy-Syir’ah, 43(I), 73–96. https://doi.org/http://dx.doi.org/10.14421/ajish.2009.43.1.%25p

Muhammad Fauzi1, Kusnadi, Musdizal, R. (2022). Mata Uang Digital (Cryptocurrency): Apakah Statusnya Memenuhi Kriteria Harta ( Maal ) dan Mata Uang Dalam Islam ? AICONOMIA: Jurnal Hukum Ekonomi Syariah, 1(2), 72–87. https://doi.org/https://doi.org/10.32939/acm.v1i2.2420

Mukhlas, A. arif. (2021). KONSEP KERJASAMA DALAM EKONOMI ISLAM. Al Iqtishod: Jurnal Pemikiran Dan Penelitian Ekonomi Islam, 9(1), 1–19. https://doi.org/10.37812/aliqtishod.v9i1.195

Musa, M., & Nila, N. (2021). Pemikiran Ekonomi Islam Imam Al-Ghazali Tentang Konsep Uang. Asy Syar’Iyyah: Jurnal Ilmu Syari’Ah Dan Perbankan Islam, 6(2), 202–217. https://doi.org/10.32923/asy.v6i2.1934

Nirawati, L., Samsudin, A., Clarinta, L. K., Setiawan, A. T., Hasan, M. T., Bastian, R., & Suci, D. W. (2022). Analisis Konsep Time Value Of Money Pandangan Kajian Ekonomi Islam Mengenai Pinjaman Uang pada Bank Konvensional. Journal Manajemen Dan Bisnis, 5(1), 44–49. https://doi.org/https://doi.org/10.37673/jmb.v5i1.1619

Nugroho, A. (2018). Islamic Economic Thought Abu Ubaid (154-224 H): Current Functions of Money and Relevance. Munich Personal RePEc Archive, 17 Desembe(90588), 1–30. https://core.ac.uk/reader/214009970

Nuraini Rachmawati, E., & Bn Ab Ghani, A. M. (2020). HUBUNGAN KEUNTUNGAN DENGAN RESIKO DALAM PERSPEKTIF FIQIH APLIKASINYA PADA INSTITUSI KEUANGAN ISLAM. Jurnal Tabarru’: Islamic Banking and Finance, 3(2), 95–107. https://doi.org/10.25299/jtb.2020.vol3(2).5715

Nurlaili. (2016). UANG DALAM PRESPEKTIF EKONOMI ISLAM (DEPRESIASI NILAI RUPIAH). IKONOMIKA, 1(1), 79–91. http://ejournal.radenintan.ac.id/index.php/ikonomika/article/viewFile/144/134

Nurrachmi, Rininta and Fathia, Mia and Mad-ahdin, Ashanee and Radenarmad, Ninasrin and Akhtar, R. (2013). Time Value of Money in Islamic Perspective and the Practice in Islamic Banking Implications. Munich Personal RePEc Archive, 08(46818), 1–28. https://mpra.ub.uni-muenchen.de/46818/

Rozalinda. (2017). Ekonomi Islam: Teori Dan Aplikasinya Pada Aktivitas Ekonomi. Rajawali Pers. https://scholar.uinib.ac.id/id/eprint/1625/1/Ekonomi Islam %28Teori dan Aplikasinya pada Aktivitas Ekonomi.pdf

Saleh, L. (2016). PERUBAHAN NILAI TUKAR UANG MENURUT PERSPEKTIF EKONOMI ISLAM. Li Falah: Jurnal Studi Ekonomi Dan Bisnis Islam, 1(1), 68. https://doi.org/10.31332/lifalah.v1i1.475

Sari, S. W. (2016). PERKEMBANGAN DAN PEMIKIRAN UANG DARI MASA KE MASA. An-Nisbah: Jurnal Ekonomi Syariah, 3(1), 40–58. https://doi.org/10.21274/an.2016.3.1.39-58

Suharto, U. (2014). ANALYSIS OF THE CONCEPT OF ISLAMIC CHOICE (IKHTIYÓR) ON OPPORTUNITY COST AND TIME VALUE OF MONEY IN ISLAMIC ECONOMICS AND FINANCE. International Journal of Economics, Management and Accounting, 22(2), 1–20. https://journals.iium.edu.my/enmjournal/index.php/enmj/article/view/269

Wahyuddin, W. (2009). UANG DAN FUNGSINYA (Sebuah Telaah Historis dalam Islam). Jurnal Sosial Humaniora, 2(1), 40–54. https://doi.org/10.12962/j24433527.v2i1.664

Yafiz, M. (2019). Internalisasi Maqâshid al-Syarî’ah dalam Ekonomi Menurut M. Umer Chapra. AHKAM : Jurnal Ilmu Syariah, 15(1), 103–110. https://doi.org/10.15408/ajis.v15i1.2853

Yudiana, F. E. (2013). DIMENSI WAKTU DALAM ANALISIS TIME VALUE OF MONEY DAN ECONOMIC VALUE OF TIME. Muqtasid: Jurnal Ekonomi Dan Perbankan Syariah, 4(1), 131–143. https://doi.org/10.18326/muqtasid.v4i1.131-143

Zumaroh. (2015). NILAI UANG DALAM PERSPEKTIF EKONOMI ISLAM. Jurnal Hukum Dan Ekonomi Syariah, 03(2), 249–264. https://d1wqtxts1xzle7.cloudfront.net/54024759/06_Zumaroh-libre.pdf?1501550766=&response-content-disposition=inline%3B+filename%3DNILAI_UANG_DALAM_PERSPEKTIF_EKONOMI_ISLA.pdf&Expires=1684639344&Signature=FtmUR~u~ybgJeaoGJKYi6H-D0vPb0g6wSRJHFrIegY-6ZfCS5Lq