Arian Farid As Sidik
Universitas Islam Negeri Sunan Ampel Surabaya

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Sistem Keuangan Tanpa Riba Dalam Pemikiran Ekonomi Islam Kontemporer Solusi Atas Krisis Utang Dan Ketimpangan Pembiayaan Di Indonesia Alya Nur Fadiyah Fahdatun Nabilah; Arian Farid As Sidik; Gebi Firyanti Nurusman; Sri Wigati
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 9 No. 1 (2026): Volume for National Collaboration
Publisher : LP2M IBK Nitro

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Abstract

This study aims to analyze the concept of a riba-free financial system in contemporary Islamic economic thought and its relevance as a solution to Indonesia’s debt crisis and financing inequality. The research employs a qualitative-descriptive library method by examining the works of modern Islamic economic scholars and data related to national financing conditions. The findings show that a riba-free financial system, based on the principles of justice, profit-and-loss sharing, and transparency, offers a more stable and inclusive alternative compared to interest-based mechanisms. The application of these principles has the potential to reduce household debt burdens, expand financing access for MSMEs, and improve economic distribution. Therefore, the Islamic financial system provides a significant contribution to strengthening Indonesia’s financing structure. Keywords: Islamic Economics, Financing Inequality, Debt Crisis, Riba, Financial System