قال الله تعالى

 {  إِنَّ اللَّــهَ لا يُغَيِّــرُ مَـا بِقَــوْمٍ حَتَّــى يُـغَيِّـــرُوا مَــا بِــأَنْــفُسِــــهِـمْ  }

سورة  الرعد  .  الآيـة   :   11

ahlaa

" ليست المشكلة أن نعلم المسلم عقيدة هو يملكها، و إنما المهم أن نرد إلي هذه العقيدة فاعليتها و قوتها الإيجابية و تأثيرها الإجتماعي و في كلمة واحدة : إن مشكلتنا ليست في أن نبرهن للمسلم علي وجود الله بقدر ما هي في أن نشعره بوجوده و نملأ به نفسه، بإعتباره مصدرا للطاقة. "
-  المفكر الجزائري المسلم الراحل الأستاذ مالك بن نبي رحمه الله  -

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rasoulallahbinbadisassalacerhso  wefaqdev iktab
الخميس, 05 كانون1/ديسمبر 2019 08:45

Book Review: ISLAM AND THE MORAL ECONOMY: CHALLENGE OF CAPITALISM 4/4

كتبه  By Sumiyana Universitas Gadjah Mad
قيم الموضوع
(0 أصوات)
This can be
answered “maybe” since to date, the sharia
banks, in the financial and economic
concept, still offer higher cost of lending than
that of conventional banks.
Last, Tripp (2006) theorizes that interest is
usury in Islamic economic concept. This theory
can be deemed as the foundation of anti-capitalism.
Sharia banks then pretend to not recognize
the bank interest. Sharia banks undertake a
concept called agreed-interest. This sort of
manipulation of Islamic sharia accounting
becomes very interesting to learn. Is it caused by
the essence and the real substance? Furthermore,
the re- viewer presents an example to clarify this
condition. A man bought a car worth 200
million at the automobile dealer. Unable to pay
in cash, he and the car dealer then agreed to pay
with third party intervention, which is sharia
bank. Auto- mobile dealer earned a cash payment
from sharia bank amounted to 200 million,
then the buyer and the sharia bank made a
transaction agreement based on the principles and
rules of Islamic economic. The deal was five
years payment with a total amount of 300
million, consisting of 200 million car price and
100 million as the agreed interest for the next
five years. The buyer should repay the debt
totaled 5 million per month for the next 60
months.
Financing practice of sharia banks is rightly
so. Reviewer interprets that in fact, the agreed
profit equal to the interest for the next five years.
Therefore, reviewer suggests that the practice of
Islamic economic and finance has no different
from the economic and finance of conventional
banks. The difference lies only on the finance
item. Academic assessment to the difference
lies in the amount of the agreed profit according
to sharia banks and the amount of the interest
according to conventional banks. Reviewer
concludes that when the agreed profit is higher
than the conventional banks’ interest, then the
excess amount is more likely to be called
usury. Then, who is earning usury?
CLOSING
Reviewer concludes that the book titled
"Islam and the Moral Economy: the Challenge of
 
Capitalism" is full of fallacy and equivocation.
Obviously, it is directed to challenge capitalism
or anti-capitalism. This book is not appropriate
enough when it is read by university students
who do not have adequate knowledge of the
entire cumulative comprehensive scientific or do
not have a fundamental phylosophies. The consequences
could be worse that the emergence of
the contemporary Islamic scientists only admit
the truth of the paradigm itself or even the
appearance of fascism.
Reviewer gives evidence or phenomena that
occurs in today's business practice. Evidence and
this phenomenon are gaining more attention.
Sharia banks currently have a lot of customers,
especially depositors who are non-Muslims. If
they all put their money in the bank not based on
the concept of socialism and Islamic law, they
are supposed to use economic and financial
concepts in real terms with the principle of
utilitarianism, which means a higher profit than
cost that were sacrificed. This suggests that the
utilitarian principle remains to be excellent for
all users of the bank. Thus, the economic concept
of Islamic socialism that against the capitalism
users are not yet matched with the concept of
utilitarianism in the sense of modern capitalism.
On the other hand, this book is very
interesting as a teaching material at a university
on a master and doctorate level particularly for
accounting theory and behavioral research in
accounting. The reason is a form of contradiction
to the entire accounting theories and theories of
organizational behavior. Such contradictions
should be the center of attention of the students
in order to make them more mature in science.
Lastly, that contradiction learning is to reduce
the probability of the student who become
contemporary scientist or have a fascism belief.
REFERENCE
Tripp, Charless (2006). Islam and the Moral
Economy: the Challenge of Capitalism.
Cambridge: Cambridge University Press
قراءة 942 مرات آخر تعديل على الأربعاء, 11 كانون1/ديسمبر 2019 04:59

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