Maslaha As the Philosophical, Political, and Legal Basis on the Islamic Banking Legislation in Indonesia
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GJAT | JUNE 2017 | VOL 7 ISSUE 1 | 7 ISSN : 2232-0474 | E-ISSN : 2232-0482 www.gjat.my Maslaha as the Philosophical, Political, and Legal Basis on the Islamic Banking Legislation in Indonesia Abdul Ghofur (Corresponding Author) Walisongo State University of Islamic Studies, Semarang, Indonesia Walisongo Street No. 3-5, Semarang, Central Java, Indonesia Tel/Fax:- +6224-7604554 / +6224-7601293 E-mail: [email protected] Sulistiyono Susilo Jl.Prof.H.Soedarto, S.H.Tembalang, Tembalang, Kota Semarang, Central Java, 50275, Indonesia Tel:- +62 24 7460012 E-mail: [email protected] Abstract 2005), and plays a vital role in the development of Islamic economics and economic policy Legislation on the Islamic Banking Acts in (al-siyāsa al-iqtiṣādiya) (Dusuki & Abdullah, Indonesia is inseparable from the condition 2007; Mansour, 2014). Maṣlaha is a cornerstone of national politics and global economics that of Islamic rules on transactions (mu’āmala), continues to develop. In this paper, the main which is the benefit framed withsharī’a and issue to be discussed is whether the formation not solely based on profit motive and material of the Islamic Banking Act in Indonesia is based rentability as in conventional economy (Dusuki, on political interests, or if there is also a legal & Bouheraoua, 2011). value associated with economic development of this act. The findings suggest that the legislation Maṣlaha in the recently geographical, social, on the Islamic Banking Act in Indonesia has political, and cultural contexts will bring relevance to the political and legal foundation different nuances of interpretation, scope, that developed at that time; and the legislation language, and idioms though essentially they on the Islamic Banking Act is based not only have virtually the same and universal meaning. on the political but also the philosophical The development of Islamic economics in aspects of law that emphasize principles of the the face of changes and the rapid progress of common good or maṣlaha and/ an alignment science and technology must be based on the with national goals. maṣlaha. Muslim scholars state that where there is maṣlaha, there is sharī’a of God. This Keywords: Islamic Banking Act; Politics means that in everything containing maṣlaha, of law; Legislation; Philosophy of maṣlaha; there lies the sharī’a of God. Thus, maṣlaha Indonesia is the most important concept in Islamic law. Introduction To discuss the maṣlaha in the contemporarily practical instead of theoritical term, this study Maṣlaha or maṣlaha al-`āmma as one of the focuses on legislation on the Islamic Banking commonly used approaches in ijtihād, is the Act in Indonesia which has a strategic role in goal to be realized by the Islamic law (sharī’a) providing a foundation for the ongoing activities application. It is the essence of the policies of Islamic banking, which so far does not have implemented to realize the common good (al- a legal basis that specifically regulates it. The siyāsa al-shar`īyya) in response to the social, bank has developed rapidly at the regional, political, and economic challenges (Opwis, national, and global levels. In 2007, Islamic This journal is a member of and subscribes to the principles of the Committee on Publication Ethics (COPE) GJAT | JUNE 2017 | VOL 7 ISSUE 1 | 8 ISSN : 2232-0474 | E-ISSN : 2232-0482 www.gjat.my banking assets worldwide reached US$500 The Concept of Maṣlaha in Islam billion. According to the World Islamic Banking Competitiveness Report 2011-2012, those The basic principle of Islam in the political assets have increased to US$1.13 trillion as of practice of establishing public life at the local 2012. The Islamic Bank has expanded in not and national levels (siyāsa al-dunya) is to meet only Muslim countries, but also in European the needs and welfare of the people (Khallaf, countries, the United States, Singapore, Hong 1977). Maṣlaha is the ultimate goal of Islamic Kong, and China. Islamic banking at the global law and becomes its main core. In general this is level includes theWellington Management known as al-maṣlaha al-‘āmma, the substantive Company (USA), Oasis International Equity and universal goal of the implementation of Fund of Flemings Bank (UK), the Hong Kong the sharī’a. In general, maṣlaha is understood Shanghai Banking Corp. (HSBC-London), and as goodness, benefit, human welfare and ANZ Bank (Melbourne, Australia). prosperity in the world and the hereafter, and the prevention of harm (Griffith-Jones, 2013). Islamic Banking is a leader in the Islamic According to al-Shāṭibī (1341 AH /1922), finance industry, and with the enactment of Act the benefit is primarily intended to guarantee No. 21 of 2008, Islamic banking in Indonesia basic human rights, which include freedom has become stronger. The legislation is regarded of religion (hifẓ al-dīn), physical and mental to realize the benefit at the level of political protection (hifẓ al-nafs), family and descendant practice. This is justified by the discourse of protection (hifẓ al-nasl), property or property Islamic jurisprudence (fiqh) recognizing a term rights protection (hifẓ al-māl), and intellectual al-siyāsa al-shar’īyya, in which the ruler (imām) protection or freedom of thought (hifẓ al-‘aql) may determine a particular policy to enforce (Opwis, 2005). such goodness though the policy may not have been explicitly mentioned by the sacred texts. In the history of Islamic law, al-maṣlaha Theoritically, Islam has been demonstrated al-mursala, meaning for the public interest, relevant to the needs and interests of humankind which was simply later called al-maṣlaha, is over time and geographical context. Laws, in known as one of the products of ijtihād through fact, become dependent and are highly affected human reasoning (ra’y). Islamic scholars by power and certain political conditions. This tend to understand it as a legal theory. The theory recognizes the political struggle that Islamic jurist who has successfully developed exists when the act is formed and the base the theory is Imām Mālik ibn Anas (93-179 used as a benchmark in the determining act. In AH/711-795 CE), who is famous as the founder the context of Act No. 21 of 2008, these two of the school of Māliki. According to Imām issues of the political struggle and the act of Mālik, public interest or goodness is one of determination are intertwined (Mahfud, 2010: the sources of the sharī’a. This is governed by 4). In reality, established laws or legislations are three conditions. First, the public interest is not essentially a crystallization of various political of things related to worship (‘ibādah) (Ahmed, interests. Hence, this study discusses the aspect 2006). Second, it should be in harmony with of maṣlaha in the philosophical, political, the spirit of the shari’a and not in conflict with and legal basis of the Act by considering the one of the sharī’a sources. Third, it must be legislation on the Islamic Banking Act in something that is essential and indispensable, Indonesia that deals with the theory of politics rather than something meant for luxury. of law, that can be regarded as modern political Indispensabilitythings are a matter related practice of al-siyāsa al-shar’īyya. to indespensible things the five objectives of Islamic law (Mahmassani, 1961). This journal is a member of and subscribes to the principles of the Committee on Publication Ethics (COPE) GJAT | JUNE 2017 | VOL 7 ISSUE 1 | 9 ISSN : 2232-0474 | E-ISSN : 2232-0482 www.gjat.my Al-maṣlaha occupies a very significant position social life so far as it is not contrary to the spirit in determining the details of the general of Islamic law. In essence, it is the people or principles of laws and constitutions in Islam. For society themselves who know how al-maṣlaha example, the Qurʾān and hadīth (the Prophet’s relates to their circumstances. Therefore, as free, sayings and deeds) do not specify what form dignified, and sovereign creatures, humans were of government a state, neither monarchy nor given authority to regulate their own affairs in democracy might have because the essence accordance with the public interests. lies not in the form of government, but the general principles that have been outlined in The Political Basis of Legislation of the the Qurʾān and hadīth (Khan, 2006). Therefore, Islamic Banking Act through al-maṣlaha, men and women are given the authority and freedom to choose their own Islamic Banking in Indonesia is an interesting form of government and determine what is best phenomenon to observe, especially since the for them (Shah, 2006). Perhaps, a monarchy— formation of Act No. 21 in 2008. This Act which is consequently capable of implementing specifically is linked to the validity of Islamic the general principles of Islamic law as outlined law in Indonesia. Historically, the enactment in the Qurʾān and hadīth —will be better than a of Islamic laws in Indonesia has created both democratic form of government that ignores the positive and negative relationships with the general principles of Islamic law. Similarly, it political situation that developed in each may happen in the opposite way (Khan, 2006). era (Jaspan, 1965). At the time of Dutch colonization, for example, there were theorie Therefore, it is not surprising when Ibn receptio in complexu and theorie receptie.The Taymiyya (661-728 AH/1263-1328 CE), one theory of receptio in complexu was proposed of the pioneer Islamic reformers, in his theory by Prof. Mr. Lodewijk Wilem Christian van focused more on the role of sharī’a in the state den Berg (1845-1927). This theory stated than the caliphate (the Muslims leadership as that for Muslims who lived in the Dutch East the state system). He proposes that any form of Indies territory was fully applicable Islamic Islamic government is nothing but an instrument law because they had embraced Islam.