LOGIKA ISTINBATH DALAM THORIQ AL-KHOLASH DALAM BAB RIBA (TELA’AH ATAS PEMIKIRAN ZAINUDDIN BIN ABDUL AZIS AL-MALIBARY)
Jonwari, Budi Hartawan dan Abdul Wasik
"Bank and Riba are inseparable entities. But on the other hand the bank is an institution that is always needed by most people. While usury is clearly forbidden and has been explained in al-Hadith or in the Qur'an.
However, when it is associated with the rotation and development of the times, it will be a little difficult, especially to meet the needs in every line of life, especially if you see that banking has become one of the leading institutions in managing State finances and has interest products that some Ulama are punished as usury . Besides that, in some regions it has become commonplace for moneylenders who will give loans by requiring more repayments.
Sheikh Zainuddin Abdul Aziz al-Malibary who gave rise to the concept of Thoriqu Al-Kholas in the book Fafhu al-Mu'in as a solution in avoiding usury practices, how to avoid usury contracts for people who sell gold with gold or silver with silver but with there the advantages are each of the people who transact to grant rights or goods to their partners ". Or each transaction deals with their rights or goods, then frees them so that they can avoid usury for those who sell gold for gold or silver for silver who do not handover in the contract.