Analisis Konsep Nilai Uang Dalam Sistem Keuangan Syariah: Kajian Literatur
Abstract
Nilai uang dalam sistem keuangan merujuk pada daya beli atau kemampuan pertukaran suatu mata uang dalam lingkungan keuangan. Beberapa penelitian telah membahas kedua konsep ini, namun mereka bersifat teoritis dan kurang menganalisis dampaknya dengan pendekatan praktis dalam konteks sistem keuangan Islam. Penelitian ini bertujuan untuk menganalisis konsep nilai uang dalam sistem keuangan Islam. Metode yang digunakan adalah metode kualitatif dengan pendekatan studi literatur terkait sistem keuangan Islam. Hasil penelitian menyatakan bahwa mekanisme investasi menurut prinsip-prinsip Islam tidak sama dengan mekanisme konvensional yang merumuskan nilai waktu uang dalam bentuk bunga. Mekanisme investasi menurut sistem keuangan Islam didasarkan pada: a) harta harus berputar agar tidak menganggur, b) semakin sering berputar, harta akan berkembang, c) masa depan tidak pasti, dalam bisnis dapat menghasilkan keuntungan, kerugian, atau impas, d) hasil bisnis atau pengembalian bisnis di masa depan dapat diproyeksikan, e) hasil aktual tidak selalu sama dengan hasil yang diproyeksikan.
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