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By Timur Abimanyu, SH.


Sharia Economic Capitalism

This decade may be a golden period of Islamic economics, especially in Indonesia. Since
2000 ago no less than 50 institutions of sharia-based economic growth with proliferation. It
is quite reasonable considering the majority of Indonesian population is
Muslim.Unfortunately, in the middle gemebyar sharia, tucked into a variety of weaknesses
and irregularities. Moreover, allegedly more than 80% of the existing institutions have not
been able to run sharia principles intact.

The first mistake is the Islamic products are marketed in fact dominated by consumer
products.Murabaha, or buying and selling, whether it be in the form of mortgages, vehicle
loans, and so dominate no less than 70% of the existing Islamic products. No difference with
traditional consumer credit. It's just disguised interest elements with elements of cost and
profit margin. Properly, if you want to be fair, other products such as mudaraba, musharaka,
isthisma ', is equally incessant marketed.

In some cases, people also often have difficulty in accessing these Islamic products. With
the requirements of a complex and bureaucratic, Islamic institutions to shift into an ivory
tower which is difficult to reach the grass root. In fact, in truth, Islamic economics was born
to accommodate the bottom of it.

Some have also often criticized the attitude of the Indonesian Ulema Council (MUI) in the
formation and appointment of the National Islamic Council (DSN) and Sharia Supervisory
Board (SSB). Often these institutions labeled as a mere formality given the standardization
of product skills and capabilities of people in it are not clear. The Board is expected to be
fully committed in overseeing product, concept, performance, and policy of Islamic
institutions often disappointing performance. Its members are still dominated by clerics,
clerics elderly, it is less able to follow the movement and development of Islamic economics
that moves very fast.

In Islamic institution itself, the designation and management of human resources (HR) is
still biased. Islamic principles, actually requires 70% of heavy moral, followed by new
knowledge and appearance. However, in practice, they are loaded with rote-memorization
and included Arabic-language instant training. Sometimes business ethics and concepts not
yet mastered a comprehensive Islamic.

Unfortunately, these deficiencies increasingly exacerbated by the attitude of existing

financial institutions. They see sharia as merely a decent market opportunities exploited.
This action is certainly an economic crime because the Islamic products into the capitalist
tool to rake in profits as much as possible and as quickly possible.Alignments and their
commitment to sustainability and the development of sharia itself is still questionable.

Even worse, some banks opening Islamic division only to private clients who have funds not
less than Rp 500 million. If so, of course, partisanship financial institutions become
discriminatory and no longer play a role in the survival of the grass root.Capitalism, in this
case, wrapped with Islamic symbols to the interests of capital owners.

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